How to File a Roof Insurance Claim in Waukesha

The one thing every homeowner has is an insurance policy to protect their biggest asset, their home. The most important step to protect your property in Waukesha starts before the claim happens, you must know what has been excluded from your policy. You must know if special deductibles apply to a peril like wind/hail or water losses. This is the most important step any consumer can take. If you run into an unfortunate circumstance that requires you to file a roof insurance claim, we can help you every step of the way.

The first time a homeowner has a larger loss like storm or water damage it can be overwhelming to make the phone call to their insurance company. That’s why it is helpful to know what to do before filing an insurance claim and what to expect when filing a claim in Waukesha. We have experts who understand what it takes to get your home back to pre-storm condition and guide you step by step so you can effectively navigate the claim process.

Steps to filing a Roof Insurance Claim

Step 1: Assess the Roof Damage

Find a reputable Waukesha contractor that has experienced inspectors to verify if you have wind and/or hail damage to your property. Hail and wind damage can be obvious however many times it is much harder to recognize. Shingles may be bruised from hail impacting the roof but visually look fine from the ground. Wind damage may have lifted the shingles and they set back in place they appear to be okay and safe, when that is not the case. Wind-damaged shingles can be one of the most dangerous losses to inspect. When the shingle has lifted and set back in place it looks safe but when stepped on it can slide out from under you. The best option is to have a professional come inspect your roof to prevent any major injuries.

Step 2: Documenting the Damage

After the inspection and if damage has been found the contractor should document it. A good contractor will walk you around your home and physically point out where the damages are. They can document any damage on the roof via a photo. That way you are safe on the ground. The customer should always be invited outside to oversee the inspection processes. This is a very important step.

Step 3: Filing the Insurance Claim

When damage is found and you need to file a claim, verify the loss date and time of the storm before calling the insurance claims department. Always when filing a claim it is for wind and hail with any hail storm. Many times wind damage to the roof is not very obvious. A good contractor would have you outside and they will explain what damages they are seeing and should be able to identify any wind damage on the roof.

When calling the insurance company, be sure to get the following information:

  • Adjuster's full name and contact information.
  • Claim number or reference number to the phone call if there is no claim number
  • Full name or Rep # of the person you are speaking to in the claims department.
  • Tell them they need to meet you and your contractor. Give them the contractor's contact information so you and your contractor can show them what damages were found.

Step 4: Payment from Insurance Company

If everything is approved by the adjuster and the insurance company, your roof replacement will be fully covered except for the deductible. By law in the state of Wisconsin, the deductible must be paid to the contractor separately.

Choosing the Right Policy

The focus when choosing a new home insurance policy always seems to be on price. When consumers lead on price when deciding their policy and/or insurance carrier they usually get what they pay for. Reduced coverage on wind/hail and water loss coverages is one of the many areas that the insurance company will reduce coverage to be competitive on price. You can usually buy this coverage back with an endorsement but that costs money. This is helpful to know when choosing an insurance policy but not so much after the loss has already occurred. Of course, hindsight is 20/20.

The most effective way to purchase an insurance policy is to clearly outline your desired coverage via email, minimizing the risk of misunderstandings. For comprehensive home insurance, consider opting for a single deductible for all perils and inquire about available endorsements, such as the "siding and roof material match endorsement." It's crucial to note that offered endorsements may imply exclusions or reduced coverage. To avoid confusion and align with your preferences, always communicate questions and requested coverage details through email, ensuring transparency and clarity in the process.

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Roof Repair in Waukesha

A properly functioning roofing system is essential for Waukesha homeowners and business owners who want to maintain the integrity of their property. A damaged roof can lead to serious problems such as leaks, water damage, and even structural damage.

Home Guard Exteriors provides emergency and routine roof repairs for homeowners and small businesses in Waukesha. Contact us today to prevent any further damage and restore your roof to its original glory.