What You Need To Know About Insurance Coverage and Getting Your Roof Fixed in Louisiana

Your roof is one of the most important parts of your home. It keeps you and your family safe and dry, and it’s important to make sure that it is in good condition. If you’re having problems with your roof, you may need to call a roofing contractor to come and fix it. In this blog post, we will discuss what you need to know about insurance coverage for roof repairs and when to contact a roofing company.

How Does Roof Insurance Claim Work?

There are two types of roof insurance claims: full replacement and repair. Full replacement is when your roof is so damaged that it needs to be completely replaced. This type of claim is usually covered 100% by your insurance company.

Repair claims are when your roof is not so badly damaged that it needs to be replaced, but still needs repairs. The amount of coverage for repair claims varies depending on your insurance company and policy.

To file a roof insurance claim, you will first need to contact your insurance agent or company to start the process. They will likely send an adjuster out to inspect your roof and determine the extent of the damage.

Once the adjuster has inspected your roof, they will give you a report of their findings. If they determine that your roof needs to be repaired or replaced, they will give you an estimate of the cost.

In most cases, your insurance company will pay the contractor directly, and you will only be responsible for your deductible.

It is important to note that insurance companies often have a time limit on when insurance claims need to be filed, so it is important to contact them as soon as possible after your roof is damaged.

Louisiana Insurance Laws for Homeowners and Businesses

In order for your insurance policy to cover the cost of roof repair or roof replacement, the damage must be caused by an extreme weather event, such as damaging winds during heavy thunderstorms, hail storms, tornadoes, and snowstorms.

Homeowners’ insurance should also cover roof damage from fallen tree limbs caused by strong storms. This can include damage from wind, rain, or hail. Depending on the policy, homeowners insurance will usually pay to replace your roof if it’s damaged in any of these events.

Homeowners and Business Insurance Coverage Options

If you have a mortgage on your home, your lender will require that you carry insurance. Your policy must cover the dwelling (the house itself) for at least 80% of its replacement value in order to satisfy your lender.

If you have a business, your commercial property insurance policy should cover the building and its contents. The amount of coverage you need depends on the value of your assets.

Public Adjuster Regulations in Louisiana

Public adjusters are licensed by the Louisiana Department of Insurance. The role of a public adjuster is to help policyholders receive a fair settlement from their insurance company following property damage. Public adjusters work for the policyholder, not the insurance company.

A public adjuster can save you time and energy during the insurance claims process and can help ensure that you receive a fair settlement.

Below are the regulations that public adjusters must adhere to:

• A public adjuster may charge the insured a fee, but this fee may not be contingent upon or calculated as a percentage of the amount of any claim paid to or on behalf of the insured.
• A public adjuster must not pay someone else to do public adjusting for them in this state if that person is required to be licensed and isn’t licensed.
• A person shall not accept payment for being a public adjuster in this state if they are not licensed.

Should I Contact a Roofer Or My Insurance Company First?

If your home or business has suffered roof damage, you may be wondering whether you should contact a roofing contractor or your insurance company first.

The answer to this question depends on several factors:

1. The extent of the damage
2. Your insurance coverage
3. Your deductible

Roofing Contractors and Insurance Companies: How Do They Work Together?

A roofing company and an insurance company are two very important pieces to the puzzle when it comes to getting your roof fixed.

Here is what you need to know about how they work together:

• The roofing contractor will need to submit a detailed estimate of the repairs that are needed to the insurance company. The insurance company will then review the estimate and determine if they will cover the cost of the repairs and how much damage insurance claim you are entitled to.
• If the insurance company denies the roof repair insurance claim, the roofing contractor or professional will still need to get the repairs done in order to avoid any further damage to your home. However, you will be responsible for paying for the repairs out of your own pocket.
• If the insurance company approves the claim, they will send a check directly to you for the cost of the repairs. You will then need to provide this check to the roofing contractor so that they can begin work on your home.

Roof Supplement Claim

A roof supplement claim is a type of insurance claim that is filed when your roof is damaged and needs to be repaired or replaced. This type of insurance claim is not always covered by your homeowner’s insurance policy, so it’s important to check with your insurer to see if they offer coverage for roof supplement claims.

If you have a roof supplement claim, you will need to provide your insurance company with proof of the damage to your roof. This can be in the form of photos, receipts, or estimates from a contractor. Once your claim is approved, your insurance company will pay for the cost of repairing or replacing your roof.

Is a Deductible Required for Roof Replacement?

Yes, most insurance policies will require you to pay a deductible before they will reimburse you for any roof repairs or replacement. The amount of the deductible varies by policy but is typically somewhere between $500 and $2000. If your roof damage is extensive, it’s possible that your insurance company may waive the deductible, but this is rare.

Why Would Your Roof Damage Claim Be Denied?

There are a few reasons your roof damage claim might be denied by your insurance company. One reason is if they determine the damage isn’t covered by your policy. For example, most policies exclude damage from poor maintenance or neglect.

Another reason could be if your deductible is higher than the cost to repair the damage. Therefore, it’s important to know your policy details and what is excluded. Reviewing your policy yearly can help prevent any surprises.

It’s also possible that you have a claims history. Some insurance companies will non-renew or cancel your policy if you have too many claims in a short period.

Need To Make An Insurance Claim for Your Roof? Call Big Easy Roofer

If you need to make an insurance claim for your roof, call Big Easy Roofer! We are experts in roofing and can help you through the process. We will work with your insurance company to get your roof fixed as soon as possible.

Don’t wait to call us if you think you may have a problem with your roof. The sooner we can assess the damage, the sooner we can start working on a solution. We’re here to help you get your roof fixed and your life back to normal!

Give us a call today at 504-285-5135. We look forward to helping you!