If you’re a homeowner in the UK, your home is likely one of your most significant investments. So if something happens to your roof and needs to be replaced, you’ll want to make sure you get the money for that replacement from your insurance policy. However, that’s not always easy, especially if you’ve never had to make a claim before.
Do you need to claim on your home insurance policy?
If so, it can be challenging to know where to start. We’ve put together this guide for UK homeowners looking for tips and advice on getting their new roof from an insurance company. We’ll walk you through what you need to do so that when it comes time for your adjuster appointment, you’re ready.
This blog post will discuss filing a claim for a new roof and what to expect during the process. We will also provide some tips on making sure your claim is successful. And you’ll also learn about all of the different types of claims covered by most policies. Also, the things that aren’t covered at all.
How to Make A Roof Repair Insurance claim
If you need roof repairs or roof replacement, your first step should be to call your insurance company and file a claim. It can be done over the phone or online, whichever is more convenient. When filing your claim, make sure to have the following information handy:
- The date of the damage
- Your contact information
- The type of damage
- Proof of the damage, such as photos or a video
- The amount of money you expect to need for repairs
Once your claim has been filed, an adjuster will be assigned to your case. They will work with you to get an estimate for the cost of repairs. Keep in mind that the adjuster’s job is to find the most cost-effective way to repair the damage, so you may not receive the total amount you’re requesting.
Tips for Filing a Successful Roofing Claim
Even if your roof is damaged in a storm, it’s important to remember that not all claims for roof replacement are covered by insurance.
Certain things are typically not covered, such as:
- Roof damage caused by personal neglect or poor maintenance
- Flooding
- Mold or mildew damage
- Damage caused by rodents or insects
- Damage from a falling tree or another object
That said, insurance companies cover roof repairs if it has:
- Damage caused by wind or hail
- Damage caused by arson or vandalism
Make sure the damage has insurance coverage before filing a roof repairs claim. If you’re unsure, call your insurance company to ask questions about their policy, so there are no surprises when it’s time for repairs! Also, keep in mind that not all policies cover every type of damage listed above.
What to Expect After Filing a Roofing Claim?
Once you’ve filed your claim, the adjuster will contact you to schedule an appointment. During this appointment, they will inspect the damage and give you an estimate for the cost of repairs. Keep in mind that this is just an estimate; the final cost could be higher or lower, depending on the damage.
If you’re happy with the estimate, the adjuster will work with you to get the repairs scheduled. If you’re not satisfied with the assessment or feel like it’s too high, you can always negotiate with the adjuster to try and get a lower price. Just remember that ultimately it’s up to the insurance company to decide whether or not to approve the claim.
The different types of insurance claims
There are many different types of claims that are covered by insurance. In the UK, insurance cover roof repairs if it is caused by the following:
- Fire damage
- Storm damage
- Theft
- Damage caused by an animal
- Vandalism
Keep in mind that each policy is different and may not cover every type of damage listed above. It’s essential to read your insurance coverage carefully to know what isn’t covered.
Tips to make the process run smoothly
To make this process as smooth as possible, you can provide your insurance company with all the information they need.
It includes:
- Details about what happened, such as when and where the damage occurred or who caused it
- Photos or videos of the damage so that adjusters can assess how much work will be needed for repairs
- An estimate for the cost of repairs from a qualified contractor
- Proof of ownership, such as your home insurance policy or deeds and titles
- A copy of the police report if there was any criminal activity involved in causing this damage
How long will the process take?
Getting a new roof from insurance can take a few weeks to a few months. It depends on the adjuster’s schedule, how quickly the contractor can get the work done, and how long it takes for the insurance company to approve the claim. Be patient and stay in touch with your adjuster to know where things stand throughout this process.
To avoid the struggle and hassle of filing an insurance claim, you can have it repaired by a reliable roofing service provider like NJS Services. NJS Services specializes in building and property maintenance.
Tips for keeping your roof in good condition so that your insurance policy remains valid
You can do several things to keep your home in good condition and prevent damage.
These include:
- Clean gutters regularly so that water does not overflow onto the roof or cause leaks inside your house.
- Prune trees around the property to prevent them from falling on top of your home during high winds or heavy rainfalls.
- Keep your roof in good condition by replacing shingles as necessary and ensuring there are no missing or damaged tiles.
- Repair any cracks, gaps, or holes around windows and doors to prevent water leaks inside these house areas. You should also seal any air leaks that cause drafts indoors; this is especially important during cold weather months when heat escapes through these leaks.
- Ensure all pipes in the home are appropriately insulated, especially ones that run along exterior walls where they could freeze during the winter months. If your home has an older boiler or furnace, consider replacing it with a new one, so you don’t have to worry about this happening again next year.
Final Thoughts
Home and buildings insurance companies can sometimes be challenging, especially if you don’t know your rights. The best way for homeowners to protect themselves and ensure everything goes right when filing a claim is by reading up on their policy before calling the adjuster. Call NJS Services at 07494903945 or visit https://njs-services.co.uk/ for a free estimate if you need a total roof replacement. NJS Services is a reputable roofing company.
We are looking forward to serving you and helping with all your roofing needs!
