{"id":160068,"date":"2023-11-30T11:52:44","date_gmt":"2023-11-30T11:52:44","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/"},"modified":"2023-11-30T11:52:44","modified_gmt":"2023-11-30T11:52:44","slug":"should-i-call-a-roofer-or-insurance-first","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/","title":{"rendered":"Should I call a roofer or insurance first?"},"content":{"rendered":"<p>**Should I call a roofer or insurance first?**<\/p>\n<p>When you discover damage to your roof, the question arises: should I call a roofer or insurance first? It&#8217;s a common dilemma for homeowners, as both are crucial in ensuring your roof gets the necessary repairs while minimizing out-of-pocket expenses. To help you make an informed decision, let&#8217;s explore the advantages and considerations of calling a roofer and insurance in the proper order.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#1_What_steps_should_I_take_when_I_notice_roof_damage\" title=\"1. What steps should I take when I notice roof damage?\">1. What steps should I take when I notice roof damage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#2_Why_should_you_call_a_roofer_first\" title=\"2. Why should you call a roofer first?\">2. Why should you call a roofer first?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#3_What_should_I_consider_before_calling_my_insurance_company\" title=\"3. What should I consider before calling my insurance company?\">3. What should I consider before calling my insurance company?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#4_How_can_a_roofer_help_with_insurance_claims\" title=\"4. How can a roofer help with insurance claims?\">4. How can a roofer help with insurance claims?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#5_What_happens_if_I_call_my_insurance_company_before_a_roofer\" title=\"5. What happens if I call my insurance company before a roofer?\">5. What happens if I call my insurance company before a roofer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#6_Are_roof_repairs_covered_by_insurance\" title=\"6. Are roof repairs covered by insurance?\">6. Are roof repairs covered by insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#7_What_if_my_roof_damage_is_not_covered_by_insurance\" title=\"7. What if my roof damage is not covered by insurance?\">7. What if my roof damage is not covered by insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#8_Should_I_get_multiple_estimates_before_calling_my_insurance\" title=\"8. Should I get multiple estimates before calling my insurance?\">8. Should I get multiple estimates before calling my insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#9_How_long_do_I_have_to_file_an_insurance_claim_for_roof_damage\" title=\"9. How long do I have to file an insurance claim for roof damage?\">9. How long do I have to file an insurance claim for roof damage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#10_What_should_I_do_if_my_insurance_denies_my_claim\" title=\"10. What should I do if my insurance denies my claim?\">10. What should I do if my insurance denies my claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#11_Can_a_roofer_help_me_navigate_my_insurance_policy\" title=\"11. Can a roofer help me navigate my insurance policy?\">11. Can a roofer help me navigate my insurance policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#12_Should_I_be_concerned_about_my_insurance_premium_increasing_if_I_file_a_claim\" title=\"12. Should I be concerned about my insurance premium increasing if I file a claim?\">12. Should I be concerned about my insurance premium increasing if I file a claim?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_What_steps_should_I_take_when_I_notice_roof_damage\"><\/span>1. <strong>What steps should I take when I notice roof damage?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhen you notice roof damage, your first step should be to document the issue with photographs and written notes. This evidence will prove valuable when communicating with both your roofer and insurance company.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Why_should_you_call_a_roofer_first\"><\/span>2. <strong>Why should you call a roofer first?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nCalling a roofer first is essential because they can assess the damage firsthand and provide you with an accurate estimate for repairs. Additionally, by addressing the issue promptly, you can prevent further damage to your home.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_should_I_consider_before_calling_my_insurance_company\"><\/span>3. <strong>What should I consider before calling my insurance company?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nBefore contacting your insurance company, it&#8217;s crucial to have a professional roofer assess the damage. This way, you can provide your insurance adjuster with accurate information about the needed repairs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_can_a_roofer_help_with_insurance_claims\"><\/span>4. <strong>How can a roofer help with insurance claims?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA reputable roofer can guide you through the insurance claims process by providing detailed reports, documentation, and estimates to support your claim. They can also communicate directly with the insurance adjuster on your behalf.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_happens_if_I_call_my_insurance_company_before_a_roofer\"><\/span>5. <strong>What happens if I call my insurance company before a roofer?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nContacting your insurance company before consulting a roofer may hinder the claim process. Without a professional assessment from a roofer, your insurance company may undervalue the damage or deny your claim altogether.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Are_roof_repairs_covered_by_insurance\"><\/span>6. <strong>Are roof repairs covered by insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn many cases, roof repairs are covered by insurance policies. However, coverage may vary depending on your specific policy and the cause of the damage, such as storms, accidents, or wear and tear.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_What_if_my_roof_damage_is_not_covered_by_insurance\"><\/span>7. <strong>What if my roof damage is not covered by insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf your roof damage is not covered by insurance, you may still need to address the repairs to prevent further issues, maintain the value of your property, and ensure the safety of your home. Contacting a reliable roofer is crucial, as they may offer alternative solutions and financing options.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Should_I_get_multiple_estimates_before_calling_my_insurance\"><\/span>8. <strong>Should I get multiple estimates before calling my insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile getting multiple estimates can be helpful, it&#8217;s not necessary before contacting your insurance company. A professional assessment and estimate from a reputable roofer are typically sufficient to begin the claims process.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_How_long_do_I_have_to_file_an_insurance_claim_for_roof_damage\"><\/span>9. <strong>How long do I have to file an insurance claim for roof damage?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe timeframe for filing an insurance claim varies depending on your policy. However, it&#8217;s generally recommended to report the damage as soon as possible to ensure a smooth claims process.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_What_should_I_do_if_my_insurance_denies_my_claim\"><\/span>10. <strong>What should I do if my insurance denies my claim?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf your insurance company denies your claim, you have the right to dispute their decision. Consult with your roofer and gather any additional evidence or documentation to support your case. It may be necessary to involve an attorney specializing in insurance disputes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_a_roofer_help_me_navigate_my_insurance_policy\"><\/span>11. <strong>Can a roofer help me navigate my insurance policy?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAlthough a roofer is not an insurance expert, they can provide insight and guidance based on their experience working with various insurance companies. They may help you better understand your policy&#8217;s coverage and any limitations or exclusions that could affect your claim.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Should_I_be_concerned_about_my_insurance_premium_increasing_if_I_file_a_claim\"><\/span>12. <strong>Should I be concerned about my insurance premium increasing if I file a claim?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nFiling a single claim for your roof damage typically won&#8217;t cause a significant increase in your insurance premium. However, multiple claims within a short period or a history of claims could affect your premium. It&#8217;s best to consult your insurance company for specific details regarding premium changes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>**Should I call a roofer or insurance first?** When you discover damage to your roof, the question arises: should I call a roofer or insurance first? It&#8217;s a common dilemma for homeowners, as both are crucial in ensuring your roof gets the necessary repairs while minimizing out-of-pocket expenses. To help you make an informed decision, &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Should I call a roofer or insurance first?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/should-i-call-a-roofer-or-insurance-first\/#more-160068\">Read more<span class=\"screen-reader-text\">Should I call a roofer or insurance first?<\/span><\/a><\/p>\n","protected":false},"author":39,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-160068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should I call a roofer or insurance first?<\/title>\n<meta name=\"description\" content=\"**Should I call a roofer or insurance first?** When you discover damage to your roof, the question arises: should I call a roofer or insurance first? 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