Hughesville, MD Roofing Company

While we don't speak on behalf of insurance companies, in our experience, storm and hail damage are commonly covered if damage is approved and covered by the insurance assessor. On the other hand, some insurance companies do not cover wind damage. Therefore, it's important to review your individual policy and understand what is covered and what is not covered before filing an insurance claim for roof damage. If you have any questions about your insurance coverage, Simple Solutions Roofing can assist you with a thorough inspection and documentation of the damage to your roof, this will assist you while reviewing your policy and understanding your coverage.

There are several insurance companies that provide coverage for roofs in Maryland. These insurance companies offer different types of policies with varying coverage limits and deductibles. Some of the commonly used roof insurance companies in Maryland include:

● State Farm

● Allstate

● Nationwide

● Travelers

● Farmers Insurance

● Liberty Mutual

● Erie Insurance

● USAA

It is usually best to contact a roofing company first, especially if you suspect that your roof has been damaged. A professional roofing contractor can assess the damage and provide an estimate for repairs or replacement. They can also help document the damage and offer more evidence throughout the claims process.

After you have contacted a roofing company and received an estimate, you can then contact your insurance company to file a claim. Simple Solutions Roofing can assist you with the roof while you start the insurance claims process and communicate with your insurance company. Responding quickly to roof damage is key, but in some cases you might need a tarp installed till the problem can be addressed, we help with this as well.

If you need to file an insurance claim for roof damage, the first step is to contact your insurance company to report the damage. They will give you with the required forms and expect you to share photos of the damage.

The insurance company will then assign an adjuster to assess the damage to your roof. The adjuster will typically visit your property to inspect the roof and determine the extent of the damage. They will also review your insurance policy to determine what is covered and the amount of coverage available.

Once the adjuster has assessed the damage, they will estimate the needed repairs or replacement of your roof. If your claim is approved, the insurance company will typically provide payment for the repairs or replacement, minus your deductible.

Simple Solutions Roofing can assist you with your roof while you start the insurance claims process with the adjuster. We can provide all the necessary documentation regarding our roof inspection, which you can share with your insurance provider.

In the past, we've seen that filing a homeowner’s insurance claim for roof damage may result in an increase in premiums for that location, but it depends on the specifics of your policy coverage and the claim. The amount of the premium increase will depend on several factors determined by the insurance company, but may include the amount of the claim, roof age, and the type of roof damage. With everything we recommend speaking to your insurance company directly since we do not speak on their behalf.

While it's common for homeowners to file one or two roof insurance claims over a 10-year period. To help avoid issues, it's important to only file claims for roofing damage and events that are covered by your insurance policy that cannot be repaired on your own. By doing so, it should result maintaining a good claims history and avoiding any negative experiences with mitigation.

If your insurance company denies your valid roof claim, don't give up hope. You have the right to appeal the decision and have your claim re-evaluated.

The first step is to contact Simple Solutions. We can review the letter or documentation that the insurance company provided when they denied your claim. Then we will then share any inspection reports we have on your roof that will assist you if you appeal the case. When the insurance company comes back out to review the roof again, you will be able to share our pictures and report with the agent as they perform a walk-through of the damaged areas.

It's important to note that the claims appeal process can take time, and it's essential to remain persistent and follow up with the insurance company regularly. Simple Solutions Roofing can support you with reports, pictures and repairs throughout the appeals process.

The timing of payment for an insurance claim for roof damage can vary depending on the insurance company and the specifics of your policy. You may receive the payment in one lump sum, or the company may send it in multiple payments throughout the repair process. In general, you will commonly receive payment after the claim has been approved and the necessary repairs have been completed.

When doing roof repair or replacements with an insurance claim, Simple Solutions Contractors can offer personal financing options that limit the amount you need to pay to only your insurance deductible. Our experienced contractors can walk you through the roof financing and payment options before submitting the claim to your insurance company.

Home insurance and roof insurance are typically not separate types of insurance policies. Instead, roof damage is typically covered under your standard homeowner’s insurance policy. That means if you need to file a roof insurance claim for damage, you will typically do so through your homeowner’s insurance policy. Simple Solutions can assist you with inspection reports and pictures during your claims process, as you work with your insurance company. We can also ensure that the necessary roof repairs are performed when covered by your policy.

A deductible is the amount of money you are responsible for paying out of pocket before an insurance policy begins to cover the cost of damages or losses. For example, if your roof insurance policy has a $1,000 deductible and your roof is damaged in a storm, you will need to pay the first $1,000 of the repair costs before your insurance policy will cover any additional costs.

The amount of your deductible is typically set when you purchase your insurance policy, and it can vary depending on the specifics of your policy and the insurance company you are working with. A higher deductible might lower your insurance premium, but it can also mean that you will have to pay more out of pocket in the event of a filing claim.