A claim is a request for reimbursement or compensation for losses or damages.

Claims assistance refers to the process of helping a homeowner navigate the claims process and work with the insurance company to ensure they receive the reimbursement they are entitled to. At Blue Monkey Roofing, we can assist you with your insurance claim and make sure that you get the reimbursement you deserve.

An insurance adjuster will inspect the roof to assess the extent of the damage and determine if it is covered under the homeowner’s insurance policy.

The homeowner is responsible for filing a claim with their insurance company.

A claim will not void your homeowner’s insurance policy, but multiple claims or large claims can affect your premium.

The most common type of claim is for wind and hail damage.

It’s important to document the damage and contact your insurance company as soon as possible. Don’t make any permanent repairs before the insurance adjuster has assessed the damage. At Blue Monkey Roofing, we can help you with the claim process and make sure that you follow the correct procedure.

It’s recommended to file a claim as soon as possible after the damage occurs, to ensure that the claim is processed in a timely manner. At Blue Monkey Roofing, we’ll assist you in the claim process and make sure you get the reimbursement you deserve.

In some cases, yes. In some cases, no. If your roof has been damaged by a storm or act of nature, regardless of its original condition, your policy should cover the replacement costs excluding your deductible. Damage sustained over time due to normal wear and tear or neglect are not usually covered. We encourage every homeowner to review their insurance policies and have their insurance provider answer any questions or concerns before the need to repair or replace the roof arises.

After a storm, it is important to have your roof inspected before contacting your insurance provider. Your roofing contractor may find that you do not have extensive enough damage to warrant an insurance claim. If your damages do not exceed your deductible, it is best to know this prior to filing a claim to avoid unnecessary premium increases on your policy. Should you find that you do need to file a claim, your inspection will provide a clear analysis of the state of your roof. Information, which will be imperative for advocating for yourself as you interface with your insurance company.

Most often, homeowner’s insurance policies cover damages resulting from an act of nature or damage that has occurred that is out of the homeowner’s control, regardless of the condition prior to the event in question. Fire, hurricanes or wind, falling trees, and hail are some commonly covered perils, however, we do highly recommend that homeowners look over their insurance policies! Hurricane or hail damage may be excluded from your policy or require a larger deductible.

Depending on your insurance policy, it is possible that your insurance premiums can increase after filing a claim. Some weather-related claims aren’t as likely to cause an increase as other claims, like theft or flooding. Therefore, it’s extremely important to contact Blue Monkey Roofing LLC before talking with your insurance provider! We may be able to repair damage without involving the insurance company, which significantly decreases the chance that your premium will rise.

Unfortunately, this happens more often than it should. Despite this, we have experience dealing with these unsavory insurance providers that are only looking to make money and not give it out when it’s needed. Blue Monkey Roofing LLC can get you a second opinion from a public adjuster who can assess the damage, adjust the claim, and have it settled fairly.