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Your Guide To Commercial Roofing Insurance Claims

Your Guide to Commercial Roofing Insurance Claims

Roof repairs and replacements are hectic procedures for most business owners. When their roof experiences an issue, many do not know whether to file a claim or not. Since it involves a lot of documentation and processes, it seems daunting. Luckily, this is the point where a roofing company comes in handy.

Commercial roofing services often include insurance claims. On your behalf, the roofing company handles communication with insurance companies. But before you file a claim, here are a few things you should expect:

A roof inspection is a must

After a natural disaster hits your commercial building, it is sensible to have a contractor check it out. The roof might look fine, but there could be some problems only professionals can identify. A licensed roofer will offer advice regarding future steps, including whether the damage warrants an insurance claim.

If there is damage, find out if it exceeds your deductible. This avoids potential increases in your policy. An inspection provides an accurate analysis of your roof. Should your contractor suggest you file an insurance claim, get to the documentation to prove it.

2. Damage assessment

Assessing the damage to your roof is a vital first step. Survey the severity of the destruction and take photos and videos of your roof if you can. When it comes to insurance, every detail counts. During this stage, your roofing agency or insurance provider should have the policy ready.

3. Meeting with an insurance adjuster

After filing for a claim, your company selects an adjuster who authenticates the damages. Once they visit your building and verifies the state of the roof, they draw a fair estimate. Having a contractor present during an adjustment will speed up the process. At this stage, ask any relevant questions to get a clear image of what it takes for a quick repair or replacement. After you meet with the adjuster, wait for claim approval. It usually takes some time, but the procedure is typically fast-tracked following natural disasters.

4. Checks and construction

When your insurance claim goes through, get ready to receive your estimate. If you have a mortgage, send it to the mortgage company. The roofing agency’s professional contractors will then provide commercial roofing services for the agreed timeline.

Choose suitable materials like asphalt shingles with a 25-40 years lifespan or metal that can last over 30 years. As soon as the job is complete, your roofer will send an invoice to your insurance provider. When you receive your last check, deposit, pay up your roofing company, and get the warranty paperwork.

Now you have a brand new roof, but your efforts don’t stop there. Ensure your roofers inspect and maintain your roof when necessary. These services extend the life of your roof and prevent big accidents from happening; this is a major benefit of reliable commercial roofing services. An insurance company will only accept the work of licensed contractors.

At Murfreesboro Roofing Company, you will have access to roofing repairs, replacements, sunroom additions, gutter replacement, and roof insurance claims. Contact us for any commercial roofing services you might need.

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