Filing an insurance claim for roof damage can be a stressful experience, especially if you’re unfamiliar with the process. At Trustman Roofing, we’ve seen how simple errors can delay claims or even result in denied coverage. Here are the most common mistakes homeowners make—and how you can avoid them.
1. Waiting Too Long to Report Damage
Procrastination is one of the biggest mistakes homeowners make. Most insurance policies have time limits for filing a claim after an incident. Waiting too long could lead to denied coverage.
How to Avoid This Mistake:
Contact Trustman Roofing immediately after the damage occurs. We’ll inspect your roof and help you document the damage promptly, so you can submit your claim within the required timeframe.
2. Not Having a Professional Inspection
Attempting to assess the damage yourself can lead to missed issues or incomplete documentation. Insurance companies rely on detailed inspections to approve claims.
How to Avoid This Mistake:
Always call a professional roofing contractor like Trustman Roofing. We’ll provide a comprehensive damage report and photos to strengthen your claim.
3. Filing an Incomplete or Incorrect Claim
Missing details, incomplete forms, or incorrect information can slow down your claim process—or worse, result in denial.
How to Avoid This Mistake:
Work with a professional roofing company that has experience with insurance claims. At Trustman Roofing, we assist clients in preparing accurate and thorough claim submissions.
4. Not Being Present During the Adjuster’s Inspection
Relying solely on the insurance adjuster to assess the damage can be risky. Adjusters may overlook issues or underestimate the repair costs.
How to Avoid This Mistake:
Always have a Trustman Roofing specialist present during the adjuster’s visit. Our experts ensure all damage is accounted for and help advocate for the coverage you deserve.
5. Ignoring Policy Details
Not understanding your policy’s coverage, exclusions, or deductible can lead to unpleasant surprises.
How to Avoid This Mistake:
Review your homeowner’s insurance policy carefully, or let Trustman Roofing help you interpret it. We’re experienced in navigating policy details and can clarify your coverage.
6. Skipping Temporary Repairs
Leaving roof damage unattended while waiting for the claim process to unfold can lead to further issues, like leaks or structural problems.
How to Avoid This Mistake:
Make temporary repairs to prevent additional damage, such as covering leaks with tarps. Insurance often covers these costs, so keep receipts to include in your claim.
7. Accepting a Low Settlement Without Question
Insurance companies may offer a lower payout than what’s needed for repairs. Accepting it without question could leave you covering the difference out of pocket.
How to Avoid This Mistake:
If the settlement seems insufficient, let Trustman Roofing review it. We can help you file an appeal or provide additional evidence to support a higher payout.
Trustman Roofing Makes Insurance Claims Simple
Filing a roof damage claim doesn’t have to be stressful. By avoiding these common mistakes and partnering with Trustman Roofing, you can navigate the process with confidence and get the repairs you need.
Contact us today for a free inspection and expert assistance with your insurance claim.
