Picture this: According to the latest weather report, your city is going to be likely hit by a thunderstorm. Even though you made the possible arrangements to brace the harsh weather, the morning after, when the storm dies, you discovered big damages on your roof.
The thought of repairing the roof has sent a shiver down your spine mainly because of the ever-increasing prices of anything related to roofing. Now, the important question is: what options do you have? For starters, you will have to file an insurance claim so that you can repair the roof in a timely.
For commercial places, any additional expense carries the potential to screw up the entire financial statements. This is why it is important for you to have adequate knowledge of how your insurance claim will come to play.
If this is the first time that you are hearing about the insurance of the roofing structure, read on to find out how you can claim the insurance and what steps you have to take before any such catastrophic incident to ensure that you are not disqualified from claiming insurance.
Commercial Roof Insurance Claim
1. Be Prepared
In the world of insurance cases, the phenomenon of claim rejections is quite common. One of the most prevalent reasons for denying a claim application is ‘preexisting damages’. If the damage on the roof – it might be true that you never noticed it – was there before the storm hit, the insurance company will refuse to cover your damages. What a terrible thing to hear, right? The best way, then, is to ensure that you carry out regular inspections. Only through inspection, you can document the health of your roof before any catastrophe. This documentation will help you make your case stronger and to prove that the damages caused by the roof are due to the thunderstorm only.
2. Hire Good Roofers
Sometimes, the reason why your roof couldn’t withstand the harsh weather conditions doesn’t have anything to do with the severity of the weather. In fact, it is the poor workmanship that leads to severe roof damages. Even if the insurance company accepts your claim application, it may only agree to contribute partially. Now, who will pay for the remaining amount? To deal with a heavy financial loss right in the middle of a financial year doesn’t seem like a good thing for your business. You don’t want your profit’s trajectory to suffer. Even if a roofing company quotes a little higher than what you were expecting, but you are sure that its services are top-notch, you must hire them for their services.
3. Professional Guidance
How will you assess the severity of the damage caused to the roof? For this purpose, it is essential that you hire a roofing expert who will help you with the claims. While insurance companies don’t dupe their customers, it is always better to have an independent party figure out the financial cost of your damages.
These are some of the essential things that you must consider while getting your roofing structure insured.