Insurance & Claims

Insurance Claims 101: What Atlanta Business Owners Need to Know

November 20, 2024 8 min read Silver Rock Roofing
Business owner reviewing insurance documents

When severe weather damages your commercial roof, navigating the insurance claims process can feel overwhelming. At Silver Rock Roofing, we've helped hundreds of Atlanta business owners successfully settle insurance claims. Here's what you need to know to protect your interests and maximize your claim.

Understanding Your Commercial Roof Insurance Coverage

Most commercial property policies cover roof damage caused by:

  • Wind damage from storms and hurricanes
  • Hail damage
  • Fallen trees and debris
  • Fire and lightning damage
  • Vandalism and theft

Important: Most policies do NOT cover damage from lack of maintenance, wear and tear, or gradual deterioration.

Steps to Take After Roof Damage

1 Document the Damage Immediately

Take photos and videos of all visible damage from multiple angles. Include wide shots showing the overall condition and close-ups of specific problem areas. Timestamp your documentation.

2 Contact Your Insurance Company

Report the damage as soon as possible. Get the claim number and ask about required documentation. Ask about advance payments for emergency repairs.

3 Protect Your Property from Further Damage

Take reasonable steps to prevent additional damage, such as covering leaks with tarps. Keep receipts for any emergency repairs—these are typically covered.

4 Hire a Professional Roofing Contractor

Work with a reputable roofing company experienced in insurance claims. They can provide detailed damage assessments and work with the adjuster.

Working with Insurance Adjusters

Insurance adjusters are responsible for evaluating your claim. Here's how to work effectively with them:

  • Be present during the inspection to point out all damage
  • Provide your documentation and photos
  • Ask questions if you don't understand something
  • Request a copy of the adjuster's report

How Silver Rock Roofing Helps with Insurance Claims

At Silver Rock Roofing, we have extensive experience working with insurance companies. Our services include:

  • Comprehensive damage assessment and documentation
  • Detailed estimates using industry-standard pricing
  • Attendance at insurance inspections
  • Communication with adjusters on your behalf
  • Help with supplement claims if initial payouts are insufficient

Don't navigate the insurance claims process alone. Let our experienced team help you get the compensation you deserve to properly repair or replace your commercial roof.

Need Help With Your Insurance Claim?

Our team has helped hundreds of Atlanta businesses successfully settle roof insurance claims.