Stamford Roofing: Article About What To Do After Storm Damage
Storm damage can leave a homeowner frustrated and confused. Most people prepare for this type of catastrophe by purchasing homeowners insurance, but that doesn't' mean they know how to get their roof repaired when the time comes. A leaking roof or a roof that has significant damage is something that needs to be taken care of quickly. Knowing what to do in an emergency can help ensure one gets their roof fixed as quickly as possible.
An important part of being prepared for fast roof repairs is making sure one knows who to call. When a roof is damaged in a storm, a call to the homeowner's insurance provider is certainly in order; however, it is also helpful to have a reputable Stamford roofing contractor that one can call for fast service. After all, if a homeowner has water leaking into their home or their metal roofing panels have been blown off, the last thing they want to do is waste precious time trying to find a quality contractor to provide roofing repairs.
After contacting their insurance company, a homeowner should make a call to their roofing contractor. The contractor can arrange to be present when the insurance adjuster comes to inspect the property.
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In order to help speed up the repair process, the roofing contractor will be able to make their own inspection and provide the homeowner with an estimate for repairs or a new roof installation. With this information already in place, the homeowner and contractor will be ready to move forward as soon as the insurance company makes their settlement.
Homeowners should wait to begin repairs until after the insurance company has inspected the damages and a settlement has been reached. The amount a homeowner will get depends on the type of insurance they have as well as the extent of covered damages. Homeowners will typically be able to choose between a replacement value policy or an actual cash value, or ACV, policy. It will be the responsibility of the homeowner to pay their deductible before the insurance company will pay their portion of the claim.
In addition to choosing between an actual cash value policy and a replacement cost policy, homeowners will also be able to choose the deductible that best meets their budget and personal preference. Many people prefer to go with a higher deductible in order to keep insurance premiums as low as possible, but it is important that the homeowner actually have the money available in the case of a covered event. For example, if a storm causes damage to a large section of the roof, the homeowner will be responsible for the deductible before their insurance coverage will take effect.