Living on the Gulf Coast means your roof faces harsh weather conditions like sun, heat, hail, wind, and storms. When your roof suffers damage, navigating insurance claims for roof repairs can feel daunting. We’re here to guide you through the insurance claim process for roof repairs step by step.
Living in Texas means your roof faces harsh weather conditions like sun, heat, hail, wind, and storms. When your roof suffers damage, navigating insurance claims for roof repairs can feel daunting. We’re here to guide you through the insurance claim process for roof repairs step by step.
Can you get insurance to pay for your new roof? YES, but you have to follow the correct process.
M&M Roofing
40 Years of Insurance Claims Assistance
For over 40 years M&M Roofing has been helping homeowners navigate the insurance claims process.
We follow all industry guidelines and regulations and never bait and switch our customers. Get in touch so we can do an honest assessment of your situation and provide you with guidance.
Insurance
The Insurance Claims Process
Understanding Your Insurance Policy for Roof Repairs
Before you file a claim, it’s crucial to understand what your insurance policy covers regarding roof repairs. Your insurance policy is your roadmap for navigating the claims process.
Take the time to review the policy thoroughly. Be sure to pay close attention to coverage limits, deductibles, and any exclusions related to roofing. Then, call M&M Roofing to do an initial assessment.
01
Filing Your Claim for Roof Repairs
When it comes time to file a claim, contact your insurance company promptly. Be prepared to provide detailed information about the damage, including the date it occurred and the cause. Your insurer will likely schedule an inspection to assess the damage themselves, but having your documentation ready will expedite the process. Make sure that you call M&M Roofing to meet you and the adjuster at the inspection.
02
Working with Adjusters
During the inspection, an insurance adjuster will evaluate the extent of the damage and any other roofing issues. Make it a point to be present during this inspection to ensure that the adjuster properly documents all damage. When you choose M&M Roofing, one of our experienced home improvement professionals will meet you and your adjuster at the time of inspection. We will discuss every project element to help get all repairs paid. We will work with your adjuster to agree on the repair scope of work.
03
Determining the Correct Scope of Work with Your Insurance Company
In some cases, your insurance company’s initial settlement offer may not fully cover the cost of repairs. Your trusted M&M Roofing contractor can provide a full scope of work and engage in what is called the “supplement process” to ensure that you are getting what you’re contractually entitled to so that you’re properly indemnified. Let M&M Roofing provide any additional evidence or documentation that supports your claim.
04
Completing the Roof Repairs
One you’ve reached an agreement with your insurance company, it’s time to schedule the repairs. The team at M&M Roofing has experience in handling insurance claims of all sizes and will ensure that local building codes are adhered to and will obtain any necessary permits for the work.
05
Understanding Your Insurance Policy for Roof Repairs
Before you file a claim, it’s crucial to understand what your insurance policy covers regarding roof repairs. Your insurance policy is your roadmap for navigating the claims process.
Take the time to review the policy thoroughly. Be sure to pay close attention to coverage limits, deductibles, and any exclusions related to roofing. Then, call M&M Roofing to do an initial assessment.
01
Filing Your Claim for Roof Repairs
When it comes time to file a claim, contact your insurance company promptly. Be prepared to provide detailed information about the damage, including the date it occurred and the cause. Your insurer will likely schedule an inspection to assess the damage themselves, but having your documentation ready will expedite the process. Make sure that you call M&M Roofing to meet you and the adjuster at the inspection.
02
Working with Adjusters
During the inspection, an insurance adjuster will evaluate the extent of the damage and any other roofing issues. Make it a point to be present during this inspection to ensure that the adjuster properly documents all damage. When you choose M&M Roofing, one of our experienced home improvement professionals will meet you and your adjuster at the time of inspection. We will discuss every project element to help get all repairs paid. We will work with your adjuster to agree on the repair scope of work.
03
Determining the Correct Scope of Work with Your Insurance Company
In some cases, your insurance company’s initial settlement offer may not fully cover the cost of repairs. Your trusted M&M Roofing contractor can provide a full scope of work and engage in what is called the “supplement process” to ensure that you are getting what you’re contractually entitled to so that you’re properly indemnified. Let M&M Roofing provide any additional evidence or documentation that supports your claim.
04
Completing the Roof Repairs
One you’ve reached an agreement with your insurance company, it’s time to schedule the repairs. The team at M&M Roofing has experience in handling insurance claims of all sizes and will ensure that local building codes are adhered to and will obtain any necessary permits for the work.
05
Reviews
Real Customer Testimonials
Roxanne Ellerbe
"Insurance claims can be stressful but the M&M team handled every detail with ease. Their employees and contractors are craftsmen and provided the highest quality work. Roofing, gutters, painting. Excellent work all around. We couldn't be more pleased and highly recommend Connor and M&M!"
Steve Riddling
"Arron was very professional. He inspected my roof and confirmed that I needed to contact my insurance. He then met with the insurance inspector. He further assisted and supervised the installation of the roof. MM did a great job on the installation of the roof. They also cleaned the premise and made sure the nails were picked up. Thank you. I would highly recommend MM Roofing and Arron to anyone who needed a new roof.”
Roxanne Ellerbe
"Insurance claims can be stressful but the M&M team handled every detail with ease. Their employees and contractors are craftsmen and provided the highest quality work. Roofing, gutters, painting. Excellent work all around. We couldn't be more pleased and highly recommend Connor and M&M!"
Steve Riddling
"Arron was very professional. He inspected my roof and confirmed that I needed to contact my insurance. He then met with the insurance inspector. He further assisted and supervised the installation of the roof. MM did a great job on the installation of the roof. They also cleaned the premise and made sure the nails were picked up. Thank you. I would highly recommend MM Roofing and Arron to anyone who needed a new roof.”
Insurance
Understand the terms
FAQ’s
Frequently Asked Questions
How do I know if my roof damage is covered by insurance?
Coverage depends on your insurance policy and the cause of the damage. Typically, damage from storms, hail, wind, and falling objects is covered. It's best to review your policy or contact your insurance provider for specific details.
How does the insurance claim process work?
After we inspect your roof, we'll provide a detailed report and help you file a claim with your insurance company. An adjuster will then evaluate the damage and determine coverage. Once approved, we'll proceed with the repairs or replacement.
Will my insurance premium go up if I file a claim?
It's possible that filing a claim could affect your premium. However, this depends on your insurance provider and policy. It's important to weigh the cost of repairs against potential premium increases.
What types of roofing materials do you use?
We use a variety of high-quality materials including asphalt shingles, metal roofing, tile, and more. We'll recommend the best option based on your needs and preferences.
Can I choose the color and style of my new roof?
Absolutely! We offer a wide range of colors and styles to match your home's aesthetic. Our team can help you select the best option based on your preferences and the architecture of your home.
What happens to the old roofing materials?
We take care of removing and disposing of all old roofing materials in an environmentally responsible manner. Our team will ensure your property is clean and debris-free after the project is completed.
Do I need to be home during the roof inspection and replacement?
While it's not necessary for you to be home during the inspection or replacement, it's beneficial for the inspection so we can discuss any concerns or findings with you directly.
Can you help with emergency roof repairs?
Yes, we offer emergency roof repair services to address urgent issues such as leaks or storm damage. Contact us immediately if you need emergency assistance.
What should I do if I think my roof has been damaged?
Contact us for a free inspection. Our roofing experts will assess the damage and help you understand the next steps, including filing an insurance claim if necessary.
What if my insurance claim is denied?
If your claim is denied, we can help you understand why and provide guidance on appealing the decision. Sometimes additional documentation or re-inspection can help resolve the issue.
How long does the roof replacement process take?
The duration varies depending on the size and complexity of the roof, but most residential roof replacements are completed within a few days once the materials are available and weather conditions permit.
Do you offer any warranties on your work?
Yes, we provide warranties on both materials and workmanship. The length and specifics of the warranty depend on the materials used and the scope of the project. We will explain all warranty details before starting the work.
How do I prepare my home for a roof replacement?
We recommend removing any fragile items from your walls and shelves as there may be vibrations during the process. It's also a good idea to keep your driveway clear for our team and materials delivery.
How do I know if I need a roof repair or a full replacement?
Our expert inspectors will assess the extent of the damage and the overall condition of your roof. We'll provide an honest recommendation on whether a repair or full replacement is the best solution.
What if it rains during the roof replacement?
We monitor weather conditions closely and plan our work accordingly. If rain is expected, we will take precautions to protect your home and reschedule as necessary to ensure the job is done safely and correctly.
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