5 Tricks to Rent a Roofing Contractor for a Roof Harm Insurance coverage Declare

Discovering roof harm after a powerful storm is worrying. Coping with your insurance coverage firm and submitting a roof harm declare is much more worrying.

That’s why you could discover a roofing contractor who can information you thru all of the ins and outs of the insurance coverage declare course of. The issue is, there are a whole lot of roofing corporations on the market. 

How are you supposed to seek out an incredible roofing contractor to deal with your roof harm insurance coverage declare with all of the choices obtainable? That’s the place these 5 suggestions are available in. 

For over 30 years, the staff at Invoice Ragan Roofing has guided owners by way of the roof harm insurance coverage declare course of. Now we need to show you how to discover a native roofing contractor who can do the identical.  

By the top of this text, you’ll have 5 suggestions you want for hiring a roofing contractor for a roof harm insurance coverage declare.

1. Solely have a look at roofing contractors who’ve a neighborhood handle and cellphone quantity

When taking a look at contractors to rent in your roof harm insurance coverage declare, you need to rent one which’s native to your space. 

Any potential roofing contractor should have a bodily workplace location in your space and a neighborhood cellphone quantity. This ensures they’ll be round for the declare course of, and you understand the place to seek out them in the event you ever have an issue along with your roof. 

Ensuring they’re native is at all times one thing to search for in a roofing contractor, but it surely’s much more necessary when you’ve got a roof harm insurance coverage declare. It is because storm chasers will undoubtedly be in your space after a giant storm. 

These out-of-state corporations are available in instantly after the storm, undercut native roofing firm costs, get the cash, and transfer on to the following storm-hit city. 

They don’t care about native codes or in the event that they even correctly set up your roof. And as soon as they depart your property, I assure they received’t reply the cellphone in the event you ever have an issue. 

2. Each roofing contractor must be licensed, bonded, and insured 

Each roofing contractor needs to be licensed, bonded, and insured whether or not you’ve got a roof harm insurance coverage declare or not. These three items of paper defend you and make sure the job is finished proper. 

You might want to make certain any potential roofing firm is licensed, bonded, and insured in your state particularly. And don’t be afraid to ask any potential roofing contractor to see proof. 

Under is a bit of breakdown of why every of those items of paperwork is necessary to you. 


For a contractor to get a license, all they need to do is register along with your state’s board of licensing contractors. The value of the job will decide what license they’ll want. 

For instance, a job over $3,000 requires a house enchancment license and something over $25,000 requires a common contractor’s license. Roofing contractors ought to have a common contractor’s license as a result of a roof is a big funding.


A bond ensures that if an organization goes out of enterprise in the course of the center of a job or if there’s an issue with the work they usually do not repair it, then the client can fall again on the bond firm.  

Being bonded implies that a bonding firm is aware of {that a} roofing contractor does enterprise accurately and ethically. The bonding firm places up the bond as a result of they know the contractor will do the job the precise manner. 


All contractors needs to be totally insured with common legal responsibility, workman’s comp, and an organization car insurance coverage coverage on all of the automobiles owned and unowned. 

Normal legal responsibility insurance coverage and workman’s comp limits rely on the dimensions of the contractor’s jobs and the state they’re in. If all they’re doing is small residential work, their common legal responsibility won’t be as a lot as an organization that does bigger jobs.

If a roofing contractor isn’t licensed, bonded, and insured in your state, don’t even take into consideration hiring them to deal with your roof harm insurance coverage declare. In any other case, if one thing does go fallacious in the course of the precise challenge, you’ll have actually zero recourse. 

3. It’s necessary to rent a roofing contractor who has expertise working with roof harm insurance coverage claims

Whereas the 2 suggestions earlier than this are essential each rent, this hiring tip is particularly necessary for roof harm insurance coverage claims. You should rent a roofing contractor with expertise dealing with insurance coverage claims. 

Hiring a roofing contractor who repeatedly handles insurance coverage work is aware of the insurance coverage declare course of, the way to learn your declare, complement something lacking, and the way to do the work in compliance along with your insurance coverage firm. They’ll additionally prevent from inadvertently committing insurance coverage fraud. 

For instance: 

When you have a Substitute Value Worth coverage or RCV, (your insurance coverage firm pays to interchange your roof), the work estimate is likely to be lower than what the insurance coverage firm agreed to pay. You don’t get to pocket the cash that’s leftover. 

Your RCV coverage requires proof of completion to make sure the gadgets that have been included within the insurance coverage estimate are included within the contractor’s scope of labor. In the event you ask for a test on the recoverable depreciation (the quantity an insurance coverage firm determines a roof has depreciated over time) however didn’t get the work performed, your insurance coverage firm received’t pay the depreciation to you.

Hiring a roofing contractor who is aware of the way to work with insurance coverage claims helps in a whole lot of methods, however most significantly, it ensures you’ve got a constructive expertise throughout a worrying time.  

4. Discover a roofing contractor that stands behind their work

The roofing contractor you rent has the largest affect on the standard of your roof alternative. That’s why, irrespective of when you have a roof harm insurance coverage declare or a retail challenge, you could rent a roofing contractor that stands behind their work. 

To do that, you could discover out what sort of workmanship guarantee a roofing contractor gives. In the event that they actually take pleasure of their work, they’ll stand behind it even when one thing goes fallacious. 

Nonetheless, workmanship warranties go wherever from one 12 months, two years, three years, 5 years, 10 years, 25 years, or perhaps a lifetime. You might want to rent one that gives no less than a 10-year guarantee, however you need to actually attempt to rent one which supplies a lifetime guarantee or near it. 

Each roofing firm ought to give you some sort of workmanship guarantee. If a roofing contractor doesn’t supply a workmanship guarantee, don’t even take into consideration hiring them in your roof harm insurance coverage declare.  

5. Take a look at the latest evaluations for each potential roofing contractor

There are such a lot of methods to discover a respected roofer, plumber, carpenter, or every other service you’re in search of in at present’s digital world. Among the finest methods for owners to discover a roofing firm for a roof harm insurance coverage declare is by taking a look at evaluations. 

When taking a look at evaluations of any potential roofing contractors, be sure to’re trying on the final 2-3 months. This ensures you’re getting latest home-owner experiences, good or dangerous. 

You’ll be able to pull a whole lot of info from evaluations that let you know if a roofing contractor does high quality work and is aware of the way to deal with insurance coverage claims. I’m not saying all of the evaluations you learn are correct as a result of some folks go to the intense come what may. 

Nonetheless, if a roofing firm stands behind their work, interacts positively with prospects, and does issues the precise manner, it’ll present of their evaluations.

Get this guidelines to ask potential roofing contractors the precise questions

Now that you’ve these 5 suggestions, you’re prepared to start out in search of potential roofing contractors in your roof harm insurance coverage claims. Whereas these 5 suggestions are nice, you’ll have to ask the precise questions when assembly with potential roofing contractors. 

That’s why we created a free guidelines of Inquiries to Ask a Roofing Contractor. The 16 query guidelines provides you all of the questions all owners have to ask when sitting down or assembly with a possible roofing firm. 

The guidelines additionally provides you the solutions to search for after asking the questions. With it, you’ll have the ability to make the precise hiring determination for you and your roof harm insurance coverage declare. 

So, what are you ready for? Preserve going to get your free guidelines of Inquiries to Ask a Roofing Contractor. 

The staff at Invoice Ragan has proudly helped owners with their roof harm insurance coverage claims in Nashville, Brentwood, Franklin, and surrounding Center Tennessee areas since 1990. We work along with your insurance coverage firm to make the complete course of as clean as attainable whereas guaranteeing your roof will get every part it wants.

In the event you’re native to Nashville, Tennessee, or surrounding areas, don’t hesitate to contact us for any of your insurance coverage declare wants. 

Whether or not you’re native to Nashville or not, right here’s your free Guidelines of Inquiries to Ask a Roofing Contractor so you may make the precise hiring determination.