Thinking About Filing a Roof Claim?

Here’s What You Should Consider First:

If someone has recently told you that your roof has hail or wind damage, you’re probably wondering whether you should file an insurance claim. Maybe a roofer came by after a storm, maybe you noticed some shingles that look damaged. Maybe several of your neighbors are getting new roofs and you are wondering if yours was damaged too?

Before you call your insurance company, finding out ahead of time whether you actually have a claim worth pursuing can save you thousands in increased premiums. A roof can have damage without needing to be replaced. It can also have normal wear and tear that often incorrectly gets presented as storm damage. And sometimes, of course, there is legitimate storm damage warranting a full roof replacement.

Being confident in the direction you want to go matters when you are potentially talking about a $15,000, $20,000 or even $30,000 project.

With that being said, there is nothing wrong with a roofing company inspecting your roof, however as a homeowner you should understand the incentive. If they find enough damage to convince you to replace the roof, they have a job to sell.

That’s why homeowners get an independent opinion from us before making that consequential decision. Before filing a claim, you should have a reasonable understanding of what is damaged, what caused the damage, how serious it is and whether replacement is actually necessary. You should also know what your deductible is and have a general idea of what you are getting into before a contractor starts talking about colors, materials, financing and installation dates. Once you sign a roofing contract, the conversation changes. You are no longer trying to figure out whether you need a roof. You are trying to figure out which roof you are going to buy.

We are not a roofing contractor. We do not sell roof replacements. We are not inspecting your roof hoping to get the installation job afterward.

Our job is much simpler - We look at the roof, explain what we see and give you our opinion on what makes sense. Sometimes that means you have legitimate storm damage and should consider filing a claim. Sometimes it means there are issues that need to be addressed, but a full replacement is not necessary. Sometimes it means your roof looks fine and you probably should not do anything.

Spending a few hundred dollars to get an independent opinion is a pretty small expense when the alternative could be spending $20,000 on a roof you did not actually need yet. If you’re wondering whether you have enough damage to file a claim, call us before calling your insurance company!

You do not need another roofing company trying to sell you something. You need to know the best decision for your specific situation as there are many downsides to filing claims in today’s insurance environment.

That is what Magnolia Roof Consulting is here for.

Get an independent opinion before you make a five-figure roofing decision.