Are you experiencing damage to your roof because of wind or hail? Homeowners insurance companies often have confusing rules about these kinds of claims so we created a video that walks you through the process.

We'll explain the possible coverage options and break down an example claim scenario. When the video is complete, you'll have a great idea of what to expect from your insurance company when dealing with a roof claim.

Here are some highlights:

WHY DO INSURANCE COMPANIES HAVE DIFFERENT RULES FOR YOUR ROOF?

More than 40% of all homeowner’s insurance claims involve wind damage or hail damage to the exterior of a home. The vast majority of those claims involve the roof.

That means insurance companies are motivated to limit their risk with specific coverage options for your roof. So they’ve created a completely separate name for the kind of damage that usually happens to your roof - Wind/Hail Coverage

PEOPLE INVOLVED IN A ROOF CLAIM
1. You - Obviously
2. Roofing Contractor – The people that fix your roof
3. Insurance Adjuster – The insurance company representative that makes decisions and cuts checks

STEPS IN A ROOF CLAIM
1. Get an estimate from a reputable, local roofer
2. File an insurance claim
3. Meet with Insurance adjuster

TYPES OF WIND/HAIL COVERAGE
1. None At All
2. ACV Coverage – Pays less if your roof is older
3. Replacement Cost Coverage – Pays the cost of replacing your roof minus your deductible

ROOKIE MISTAKE
Being Mean to the Insurance Adjuster

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Our Site - www.shineinsurance.com
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