Roofing Insurance Claim FAQs

At Kincaid Insurance Group, we regularly answer homeowners’ questions about roofing insurance claims. This blog post provides quick answers to some common roofing-related questions.

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What should I do after a storm?

Once the storm has passed, go outside and walk around your home to look for obvious signs of roof damage. Things to look for include standing, missing, or bent shingles as well as granular loss around your downspouts.

I think that I have a roofing problem. Now what?

Many people reach out to their insurance agent as a first step, which is totally fine. However, the agent will likely tell you to call a roofing contractor of your choosing to assess the situation and provide an estimate of damages.

Should I try to fix loose shingles myself?

Oftentimes, a few loose shingles is a sign of larger problems that may not be visible from ground level. It is best to have a roofing contractor provide a professional assessment of your roof.

Will my insurance agent offer recommendations for roofing contractors?

Do not expect your insurance agent to provide recommendations for roofing contractors, as they may prefer to avoid potential conflicts of interest. Instead, rely on recommendations from friends and family members.

What are some warning signs to look for in a roofing contractor?

Sadly, storms attract opportunistic contractors who may not be reliable or honest in their business dealings. An out-of-town area code is one of the first warning signs to look for.

What factors influence roofing replacement?

A variety of factors may influence whether or not a roof is eligible for replacement. The roof’s age and condition are two examples. The contractor and adjuster’s opinions also carry weight.

Should a contractor’s roofing cost estimate be free?

Yes.

What should I do with the contractor’s estimate?

Provide the estimate to your insurance agent, which will initiate a process with your carrier. A physical inspection by the carrier’s adjuster will likely follow. The adjuster will make the final call regarding the amount you will receive. In many cases, the adjuster’s amount may be less than what was quoted by the contractor.

Question about your roof?  Contact our team at Kincaid Insurance Group. We proudly serve many homeowners across the Evansville tri-state area.