Heavy winds and rain can cause a number of issues for your roof. Many of these issues will require some form of shingle or full roof repair. When you notice the damage, usually by finding a leak, you will likely call your home insurance provider. This means filing a claim and having the claim inspector come to your home. Once the inspection is done and approved, the next step is finding a roofing contractor. Here is what you need to know about locating a contractor when using a claim check for payment.
Licensed and Bonded
The first thing you need to do is ensure you find a roofing contractor that is licensed and bonded. This gives you several advantages. You know that the contractor is legal to work in your state and has any state certifications or permits they need. It also means that if there is any damage to your home during the roofing work, it will be covered. The additional benefit to having someone that is licensed and bonded is it will help to avoid any issues with your insurance company or any warranties that may be in place on the roofing materials.
There are some roofing contractors that prefer to have a third-party payment processor when it comes to insurance connected payments. For example, they may ask that you route the payment back through your insurance company. They may also call the company to confirm the payment and the work being done on the home. If this is a step your contractor takes, make sure to contact your insurance company as well. This makes sure all parties are informed according to payments and any stipulations that may be discussed prior to work on the roof.
Sooner Versus Later
You may have already discussed the issue with your home insurance and received payment. It is important to find a roofing contractor that fits your needs as soon as possible. Remember, the payment you receive from your insurance is to cover the damages found during the claim inspection. If further damages happen due to other storms, the damages may not be covered under the original amount at all.
When you have your approved claim from your home insurance provider, you can begin looking for a suitable contractor. Keep in mind, your insurance provider may have several listed for your area. This is an ideal place to start in order to find someone that fits the requirements set forth by your insurance to maintain the warranty and insurance of your home.
Contact a company like Henry Roofing, Inc. to learn more.