Roofing Insurance Claim: When to File Roof Insurance Claims in New Orleans, LA

Whenever you pay for your insurance, you’re counting on your hard-earned money to protect some of your most precious assets: your residential or commercial property.

If you find yourself in need of roof repair or replacement as a result of natural disasters, don’t be afraid to file a claim — you’re protected by the act of God law from insurance companies looking to cancel your claim or increase your rates.

However, before you even get started with the insurance claims process for your roofing, make sure to work with a trustworthy roofing company and contractors that will represent you. Big Easy Roof Team is a roofing contractor that can set you up with a new roof for your damaged commercial or residential property. Contact us now to know about our services!

Factors that May Affect Your Roof Insurance Claims Process

When looking to file a claim for your commercial or residential property, you need to be aware of the factors that may affect your roofing claim, along with the coverage your policy offers. Getting the right assessment for the damage through contractors can make a difference in your roofing insurance claims, where you can potentially get insurance to have the entire roofing replaced or have simple repairs done.

Here are a few factors that can help you determine your roofing insurance needs:

• The Age of the Roof: If your roof is 25 years old or older, it has reached the maximum length of its life and a repair is no longer possible. If this is the case, your insurance company is more likely to cover claims for a brand-new roof or roofing replacement.
• The Amount of Damage: It can be hard to see how damaged your roof has become, which is why it’s vital that you get a qualified roofing contractor to evaluate your roof and support your claims so you can get full coverage.

There are also other insurance claim issues for commercial and residential properties that will need to be taken into account, including the following:

• Discontinued Shingles: If the shingles used to make your roofing are no longer available, your insurance company will need to replace every shingle, even if you only had one missing.
• Ventilated Ridges: Consider how your roofing is ventilated. Depending on a roofing contractor’s ventilation assessment, your insurance may have both slopes or just one slope of the roof repaired.
• Creased Shingles: While you can easily see missing shingles from the ground, other kinds of roofing damage aren’t as obvious. Getting your roofing inspected by contractors is the best way to assess existing damage to back up your claims and to be eligible for a new roof.
• Hail Damage: Hail damage usually can’t be seen unless you encounter unusually big hail. A damaged shingle will break down and fail in the end; there’s a good chance that your insurance company will replace all of your roofing through your insurance claim, leaving you with a new roof.

Roofing New Orleans, Louisiana Homeowners Insurance Laws

When the roofing of your home is in need of repair or replacement, the most qualified person to turn to is a trusted roofing contractor with experience in the insurance claims process and roofing in New Orleans, Louisiana homes. The right roofing contractor will be well-versed in New Orleans homeowner insurance laws and will give guidance through the insurance claims process for your commercial roof.

When you get help from roofing contractors, you’ll be able to ensure minimal damage to your roof, and you can get your property immediately covered as required by many insurance policies. This is a vital step because insurance companies will deny anyone’s secondary damage claim once a homeowner fails to take the proper steps to ensure their roof is protected from additional damage.

Your roof insurance claims may also require you to apply metal roof coating to prevent further damage — this is important for both residential and commercial properties. A roofing contractor is the right person to help you through repair and replacement needs and will be able to determine if you need a new roof.

Types of Homeowners Insurance Coverage

There are a few things to consider when you file a roofing insurance claim and you’ll need to understand the insurance policy provided to you, including what it covers, what it doesn’t, your deductibles, and more. Unfortunately, most insurance policyholders will forget about the details of their policy until their commercial roof faces a disaster.

There are two kinds of coverage available in most states, but they are very different from each other:

• Replacement Coverage: A replacement policy will cost more than a repair, but these are more common than repair policies. This will provide you with the coverage to get brand-new roofing for covered events, such as storm damage.
• Repair Coverage: When it comes to the repair policy, the roof’s recoverable depreciation can be considered. This means that you can be reimbursed for a percentage of the replacement costs of your commercial roofing based on the material used and its age.

Should I Call a Roofer or Insurance First?

If you’ve made a claim before, you probably already know that getting started is a hard enough process; common roofing questions include, “which should I call first, a roofer or an insurance company?” The answer to this question will depend on your situation, such as how damaged the roof is and who your contractors are.

• Contact a Roofing Contractor: If you’re worried that the damages may be considered an unnecessary claim, be sure to call your local roofing contractor before calling your insurance. A qualified roofing technician will be able to look through damaged components, document important details, and take evidence for you.
• Call Your Insurance Company: If you think that your roofing sustained damage due to a storm that went through your area, you might want to call your insurance company first. They will be able to collect the relevant details of what happened along with the kind of damage your roofing may have sustained to support your insurance claim.

How Does a Roofing Contractor Work with an Insurance Company?

While many homeowners will have the instinct to call their insurer first thing after wind or storm damage occurs, they won’t always have the right solutions for your roofing insurance claims. Because of this, it’s best that you contact a trusted roofing insurance company like Big Easy Roof team before anyone else, especially when your home has been damaged and you may need a new roof.

Our team of roofers understands the roofing insurance claim process and makes it easy for you to remain in contact with your insurance provider.

One of the biggest reasons that our clients call us first is that we take care of everything for them, such as:

• Negotiating claims with your insurance company
• Managing the roofing paperwork on your behalf
• Providing expert solutions from years of experience
• Delivering high-quality installations, repairs, and replacements for your new roof

Work With Big Easy Roof Team Contractors to Repair Damage with Your Insurance Claim

As one of the leading contractors in the roofing industry, our team of roofing experts at Big Easy Roof Team can provide the best solutions when it comes to insurance claims and roofing in New Orleans, LA. From the moment your roof suffers damage as a result of a storm, give us a call and our contractor will ensure that you get the most out of your claim.

Should you decide to file your claim, let us take all the hassle and responsibilities off your hands — we’ll get the negotiations and paperwork done for your roofing insurance claims! The Big Easy Roof Team can also provide clients with a range of easy financing options for damages that aren’t included under their insurance coverage or for those who can’t pay the costs upfront.

To get your insurance claims process started and get a new roof if necessary, trust our team of contractors to handle your claim from beginning to end.