How Roofers Help HOAs with Insurance Claims

Homeowners within homeowner associations, as well as their board members must deal with insurance claims now and then, for roof damage. In many cases, they deal on their own with the complexities of denials by insurers for various reasons and this is not easy at all.

However, having a roofing contractor meet your insurance adjuster can be very helpful.

As a homeowner, when you file a claim for roof damage, a representative of your insurance company will come to assess the damage, investigate the roof and the surrounding property, review your policy, decide the right compensation in your case and give you green light to contact a roofing company and start the restoration process.

commercial roof contractor

However, sometimes the adjuster`s evaluation doesn`t seem fair and, if you want to avoid hiring a private adjuster and get into a mini-war with your insurance company you can hire a well known commercial roofing Denver CO contractor to meet the adjuster sent by your insurer, on your property. Experienced roofers will point the exact damage and costs, and you can rest assured that the insurance adjusters will not deliberately miss anything to reduce the level of compensation you deserve.

HOAs must only do the effort to find good roofing contractors, licensed and experienced to assess the roof damage correctly.


How Do Commercial Roof Insurance Claims Work?

The steps of filing an insurance claim for a damage sustained by a commercial roof are very similar to the process of filing a claim for a residential roof – hopefully, your commercial roof could withstand the last storm, but if it has become damaged, here are the steps to follow:

  • Document the damage – the first step is damage documentation. You need to hire a Fort Collins commercial roofing inspection contractor to perform the roofing inspection and to document every aspect of the damage with photos, videos and narrative descriptions;
  • Filing the claim – after the inspection, the roofer who performed the inspection will give you instructions about how to put together the claims file and how to submit it. This part of the process is quite straightforward and it can be usually done on your insurer’s website or by calling their direct phone number;

roof repair insurance claim approval

  • Inspection performed by the insurer’s adjuster – your insurer will soon send their own adjuster to assess the damage, too. It is a good idea to invite your roofer to the damage site to meet the adjuster, that way you can make sure that your interests are represented by an industry professional;
  • Approval, refusal and negotiations – if the adjuster approves of your claim, more paperwork will follow, then you will receive the damage compensation. If it is refused or only partially approved, your roofer can help you negotiate more favorable terms and to reach a final settlement.