No one ever plans for roof damage, but sometimes it’s out of your control. That’s the main reason roof damage insurance is a necessity. Insurance can help you avoid having to fully pay for repairs on your own. But when is the right time to report roof damage to an insurance company?
Like with other types of insurance, you may be hesitant to reach out to your insurance company about your roof. You may want to avoid a possible rate hike or, in a worst-case scenario, even having your insurance canceled. This is also a question that most people only think about after it happens to them. As such, it can be unclear when the best time is for contact.
In most cases, however, your insurance company is going to want you to report damage as soon as you think it happened. The last thing they want is for lingering damage to get worse and become a more costly repair. If the damage is widespread and easily documentable, then go ahead and pick up the phone.
There is going to be a time when the damage is minor, but this should not be ignored. Even a minor issue can lead to something like a troublesome leak. If a big storm just rolled through and you suspect there may be damage, have your roof inspected and listen to the inspector’s recommendation.