Roof Insurance Kentucky

Roofing Insurance Claims Explained

Has a significant storm or weather event  recently damaged your roof?  For homeowners, the aftermath of a big storm may be a difficult time. You may wish to begin the process of filing a home insurance claim after establishing that your property is safe for you, your family, and your visitors. Understanding roofing insurance claims is critical as a homeowner.

What should you do initially if your roof has been damaged? What types of roof damage does your homeowners’ insurance cover? To assist you in navigating roof insurance and the roof insurance claim procedure, we’ve put together this guide to bring you through it step by step.


Everything must be accurately accounted for when filing a claim. Most homeowner insurance policies cover roof repairs and replacement if the damage is caused by an unintentional event or a natural occurrence such as a falling tree, hailstorm, or extreme weather. Before determining the amount of coverage that must be claimed, a number of important considerations are taken into account. Claims filing and settlement can be a difficult and time-consuming process. Therefore, it’s important to leave this task to an experienced roofing company that specializes in the insurance claim process.

Initial Assessment

Getting a thorough roof inspection will help you determine whether your roof needs to be replaced or repaired. To evaluate the degree of the damage, a roof inspection is performed. This involves figuring out how much material and labor will be needed to restore the roof to its original state.

The Loss Statement

The Statement of Loss is an official document that lists the costs of damaged products that need to be repaired or replaced following a disaster at your house or business. When the document is finished, it is given to you. The document also includes the fair market value and depreciation amount, both of which will be withheld until the repairs are completed. It’s a one-page document that summarizes the important information required by the insurance policy.

Negotiations With The Insurance Company

When you file a claim, the contractors’ estimates are sent to the insurer. Along with the projections, the statement of loss is also delivered. The insurer can alter the depreciation column to represent the Additional Cash Reserve once the claim is granted.

Working with Roofing Contractors

The procedure of filing an insurance claim might be confusing. A reputable metal roofing company will make certain that every detail is taken into account in order to obtain the appropriate amount of compensation. As a result, we recommend reading reviews and asking for referrals when selecting a contractor. You can also inquire about friends or relatives who have previously worked out their disputes with contractors.

Why Should You Hire Big League Roofers?

Do you require any assistance with roof insurance? We would love to assist you with filing an insurance claim and installing your new roof. Quality, dependability, and professionalism are our guiding values.   We understand our clients’ concerns and tailor solutions to their needs and expectations.  Our team works hard to ensure that our clients get the results they want. We’ve made a name for ourselves as one of Central Kentucky’s best roofing contractors.  You can give us a call or visit our website and fill out our contact form to request a quote.

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