Did a recent storm damage your roof? If so, you may have questions about how you will pay for the repair or replacement of your roof. What you may not know is that you can replace your roof with Miami homeowners insurance by following some simple steps.
The public adjusters at Claim Pacific will give you some tips to consider about the insurance claim process for your roof damage in Florida.
Take note of these!
How to file an insurance claim for home roof damage
The first thing you should do is contact your Miami insurance company and notify them of the damage. Your Florida insurance policy requires you to file a claim within a reasonable time, and that starts with contacting the insurer. But this contact can also help you get immediate financial assistance beyond what is offered by non-governmental organizations, your state, or the federal government.
Many displaced storm victims can receive monetary assistance from their Miami homeowners insurance companies immediately, without the usual documentation, to help with the costs of having to move elsewhere. This coverage, standard on most homeowners and renters insurance policies, is called Additional Living Expense (ALE) insurance. After recent natural disasters, most homeowners insurance companies in Florida have not required documentation of home damage before sending initial checks to policyholders.
ALE insurance can help you cover expenses, such as temporary accommodation, restaurant meals, laundry, additional transportation costs, and pet lodging. It can also help with expenses if you are displaced due to mandatory evacuation orders, even if your home is accessible and habitable. However, there are other steps you must take in order to have your Miami roof damage repaired.
In the process of filing a roof damage claim for your property, you must document the damage your Miami property suffered to initiate a visit from an adjuster (the professional who estimates repair, restoration, or rebuilding costs). If you do not have access to your property, it
