What to Do Before Filing a Roof Insurance Claim

Filing a roof insurance claim in Maryland, especially in Prince Frederick, requires careful preparation to ensure a smooth process and maximize your claim benefits. Here’s a step-by-step guide to help you handle it correctly:

1. Assess the Damage

After a storm or suspected roof damage:

• Safety First – Ensure no immediate hazards before inspecting.
• Document Visible Damage – Take clear photos of missing shingles, dents, or leaks.
• Check for Hidden Issues – Look for ceiling stains or attic leaks that may indicate further damage.

2. Schedule a Professional Roof Inspection

Getting a thorough roof inspection is key before contacting your insurance provider. Home Pro Contractors is the best in Prince Frederick for expert roof inspections. Our professionals identify visible and hidden damage to ensure you have the right documentation for your claim.

3. Review Your Insurance Policy

Understanding your coverage is crucial:

• Check What’s Covered – Look for storm damage, leaks, or structural issues in your policy.
• Know Your Deductible – Make sure repair costs exceed your deductible before filing.
• Be Aware of Deadlines – Insurers have strict timelines for reporting claims.

4. Get a Detailed Estimate

Before filing a claim, get a professional estimate from Home Pro Contractors. We provide a detailed, fair, and honest assessment so you know the true cost of repairs. A solid estimate strengthens your claim and helps avoid disputes with your insurer.

5. Contact Your Insurance Company

Once you have your inspection report and estimate:

• Submit Your Documentation – Provide your photos, inspection details, and estimates.
• Schedule an Adjuster Visit – Your insurer will send an adjuster to assess the damage.
• Negotiate if Needed – If the settlement is lower than expected, having a strong estimate helps.

6. Prevent Further Damage

Take temporary steps to stop further roof deterioration:

• Cover Exposed Areas – Use tarps or boards to block leaks.
• Keep All Receipts – Save invoices for emergency repairs, as some may be reimbursed.

Local Insurance Agencies in Prince Frederick

Some well-known home insurance providers in the area include:

• State Farm – Mike Paxson (statefarm.com)
• A & W Insurance Services Inc. (erieinsurance.com)
• Carrie Polk Insurance Inc. (carriepolkagency.com)

Home Pro Contractors – Your Roof Repair Experts

At Home Pro Contractors, we make the insurance process stress-free by:
– Providing the best roof inspections in Prince Frederick
– Giving detailed and fair repair estimates
– Working with your insurance to get the coverage you deserve
– Delivering quality repairs and replacements

Don’t navigate this process alone! Call Home Pro Contractors at (443) 771-0755 for your roof inspection and estimate today.