Insurance

Written by NRCIA Marketing Team

Carriers separate sudden damage from a roof that wore out. Documentation, an independent report and the right policy terms are what decide which side yours lands on.

Written by NRCIA Marketing Team

What separates an approved roof claim from a denied one is usually the file behind it. Photographs, a dated log, and an independent inspection report.

Written by Paul Watrous

A warranty answers defects. Weather, age and interior water damage sit outside it. Here is the boundary between warranty and homeowners insurance, and which one to call after a leak.

Written by NRCIA Marketing Team

Carriers ask for a dated read on the roof before they write or renew. Here is what that document records, how its term is set, and where its limits sit.

Written by Paul Watrous

Service contracts and insurance policies split roof damage between them, and a roof falls awkwardly in the middle. Here is where each one stops and what evidence you need.

Written by Paul Watrous

A contractor’s estimate prices work. An assessment report proves what happened. Here is what belongs in one, and how to put it in front of an adjuster.

Written by Paul Watrous

Carriers decide roof claims on cause and date. Here is what an independent inspector documents, what the report should contain, and where licensing limits apply.

Written by NRCIA Marketing Team

Adjusters decide most roof claims from paper. Here is the documentation that survives review, the mistakes that sink claims, and when to bring in an accredited inspector.

Written by NRCIA Marketing Team

Carriers decide on what you can show. Here is how to assemble the measurements, weather evidence, photographs and timeline that make a storm claim readable.

Written by NRCIA Marketing Team

Carriers do not certify inspectors. Here is what the phrase actually describes, the five questions worth asking before you hire, and how documentation shapes a claim.

Written by Paul Watrous

The adjuster works for the carrier and the contractor bids the repair. A third assessment, produced by someone with no stake in the result, is what documents the claim.

Written by Paul Watrous

Carriers pay for functional damage, not cosmetic marks, and the two look alike from the driveway. What a hail inspection documents, and the order to work a claim in.