Roof Insurance Claims in Louisiana

Louisiana is located along the Gulf of Mexico which makes the state susceptible to hurricanes. So it is not surprising if your roof or roofing system suffers from storm damage. If you have insurance, your roofing contractor will most likely deal with the insurance company to get your roof replaced or repaired.

Most roofing contractors in Louisiana are experienced in handling insurance claims. They will know how to deal with the insurance adjusters and get you the best possible settlement for your roofing claim.

Interested in learning more about how to file an insurance claim to your insurance company for roof damage? Keep on reading for some tips.

Step-By-Step Instructions On How To Maximize Your Insurance Coverage

If it is your first time filing roofing Louisiana claims, it can be daunting as there are many things that need to be considered. Not to mention, there are also different types of insurance companies and each has its own way of handling claims. From coverage to deductibles, the entire process can be confusing.

That’s where Big Easy Roof Repairs comes in. We will help you with the extensive process of negotiating with your insurance company, navigate you through the entire system of Louisiana insurance claims roofing, and help you get the most out of your policy.

Step 1: Filing a Roof Damage Insurance Claim

The first thing to do is to file an insurance claim. This is where we will inform your insurance company about the damage on your roof, the insurance policy you have, and what kind of repairs or replacement is needed.

In most cases, an insurance company will send an insurance adjuster to inspect the damage on your roof. The insurance adjuster will then assess the damage and give you an estimate of what it will cost to repair or replace it with a new roof.

Step 2: Handle the Roof Damage Insurance Claim First Before Starting the Repair

While it can be tempting to repair right after the storm to secure your belongings, it’s important to handle your insurance claim first. This is because some insurance companies will not release the payment for the repairs until they have seen the damage for themselves.

If you start the repair without waiting for the insurance adjuster, you might have to pay for the repairs on your own which can be expensive, and risk having your insurance claim reduced or denied altogether.

Step 3: Roofing Louisiana Acts As Your Contractor In The Roof Insurance Claims Process

After you have filed the insurance claim, our roofing experts will work on your behalf to make sure that you are getting the best possible settlement for your damaged roof. We will deal with the insurance adjusters and negotiate the claim on your behalf. This is important as the insurance company might try to give you the lowest possible settlement to save on costs.

Step 4: Avoid Short-Changing Yourself and Fraud

When you work with a roofing company, you are also working with their insurance company. This means that there is a risk of being short-changed as the roofing company might try to get away with using subpar materials or doing a subpar job.

At Big Easy Roof Repair, we know exactly how much it would cost to replace or repair your roof as we have been in the business for many years. This means that you can rest assured that we will not try to short-change you or commit fraud against you.

Step 5: Roofing Louisiana Acts As Your Advocate In The Roof Insurance Claims Process

Having someone to represent you with your claims is necessary as many homeowners are not really that familiar with identifying the amount of damage to their roofing system. If you are one of them, Big Easy Roof Repair is exactly what you need. We have been working with insurance companies to ensure that our clients receive the settlement that is right and fair for them.

Louisiana Homeowners Insurance Laws

According to the Louisiana Department of Insurance, the coverage of homeowners insurance includes the structure of your home and property as well as your personal legal responsibility for injuries on your property.

It is important to keep in mind that you are only covered if the damage is caused by a peril that is listed in your policy. The most common perils are:

• Fire and smoke
• Hail
• Wind
• Lightning strikes
• Fallen objects
• “Acts of God”

Make sure to familiarize yourself with your policy and understand what is covered and what is not. It is also important to note that homeowners insurance does not cover floods. If you live in an area that is prone to flooding, it is important to purchase a separate flood insurance policy from the National Flood Insurance Program.

Types of Homeowners Insurance Coverage

There are two types of coverage when it comes to homeowners insurance: replacement coverage and repair coverage.

• Replacement coverage: This coverage pays to replace your damaged roof with a brand new one if the damage is done by a peril that is listed in your policy.
• Repair coverage: This coverage pays to repair the damage on your roof. The age and material will both be considered for how much will be covered.

Louisiana Public Adjuster Laws

By law, public adjusters are not legally allowed to negotiate with insurance companies on behalf of Louisiana homeowners. They also may not charge a percentage fee for the insurance claim settlement. Furthermore, they are not allowed to solicit business during a loss-producing event. That means they should wait until the storm or fire is over before approaching you.

How to Negotiate Roof Replacement with Insurance

Now here’s the good part. When you work with Big Easy Roof Repair, as a certified contractor, we will represent you throughout the insurance claim process. This is important as many homeowners are not familiar with the roofing insurance claims process and might get taken advantage of by the insurance company.

During the negotiation, you will be presented with a roofing proposal that will outline the cost of materials, labor, and other fees. The insurance company will then provide you with an estimate of what they are willing to pay.

It is important to note that the insurance company’s estimate is usually much lower than what it actually costs to replace or repair your roof.

This is where we come in and negotiate on your behalf to make sure you get the most out of your insurance claim as we are familiar with how much should and must be paid for different roofing materials and services.

Do You Have to Pay a Deductible for Roof Replacement?

Yes, you should and must pay a deductible for roof replacement. Otherwise, you are committing insurance fraud. A deductible is an out-of-pocket expense that you must pay before your insurance company starts to pay for the damages.

How to Get the Most Out of an Insurance Claim from Your Insurance Company

To get the most out of insurance claims for your roofs, it is necessary to work with a contractor who is familiar with everything roof related. This includes the price of materials, average service cost, and more. When you work with Big Easy Roof Repair, you don’t have to worry about any of this as we will handle the entire process for you from start to finish.

Contact Us Today for a Free Estimate

At Big Easy Roof Repair, we offer a free estimate for all of our roofing services including representing you during the insurance claim process. To learn more about how we can help you with anything roof-related, feel free to contact us today!