After roofing damage occurs, you must react promptly, because the roof must be repaired as quickly as possible, to prevent the damage from becoming more and more extensive. However, many people encounter a dilemma: who should they call first: their insurer or a roofer?
Insurance claims can be confusing. You must know your deductible and gather proof of the roof damage. Besides, if the insurance company decides that the roof has been vulnerable to damage due to lack of maintenance, your coverage will not be as you expect it to be. Calling a roofing contractor experienced in roofing Canton MI homes before your insurance makes more sense, because they will inspect the damage and offer you a detailed report that also includes cost estimates. They will also present all their findings to the insurance adjuster who will come next to make their own damage assessment. Remember that insurance adjusters are not roofing experts, so it is natural for you to turn to a roofer first.
Hiring a roofing expert to assess the damage of your roof will also give you a better idea about whether or not filing a claim after all. Filing a claim is not always worthwhile, because beside the fact that you may not always get the compensation you expect, your rates may also go up and will cost you more in the long run.