Interviewer:  As an expert roofer, I’m sure you’ve encountered this scenario many times. A homeowner experiences damage to their roof, and they’re not sure if they should call a roofer or their insurance company first. What advice would you give them?

TJ: Hi James, great to be here. Yes, I’ve been in the roofing business for a long time, and this is a common question I get asked. My advice would be to call a roofer first.

Interviewer: Really? That goes against what most people would think. Can you explain why?

TJ: Of course. When you call your insurance company first, they will likely send out an adjuster to assess the damage. While that may seem like a good thing, the problem is that the adjuster is not a roofer. They may not know the full extent of the damage or may underestimate it.

Interviewer: That makes sense. So what does a roofer do differently?

TJ: A roofer will come out and do a thorough inspection of your roof to determine the extent of the damage. We can then give you a detailed estimate of the repairs needed. We’ll also take pictures and document everything, which will be helpful when you file a claim with your insurance company.

Interviewer: That sounds like a good plan. But what if the damage is severe and the homeowner is worried about the cost of repairs?

TJ: That’s where insurance comes in. Once you have a detailed estimate from a roofer, you can file a claim with your insurance company. They’ll review the estimate and determine if the damage is covered by your policy. If it is, they’ll work with you and the roofer to get the repairs done.

Interviewer: I see. So calling a roofer first can actually speed up the process?

TJ: Absolutely. By getting a roofer involved early, you can make sure that the damage is properly assessed, and you’ll have a detailed estimate to provide to your insurance company. This can save you time and hassle in the long run.

Interviewer: That’s great advice, TJ. Is there anything else homeowners should know?

TJ: Yes, I would advise homeowners to choose a roofer who is experienced in working with insurance companies. We know how the process works and can help guide you through it. And always make sure to choose a reputable roofer who is licensed and insured.

Interviewer: Thank you for sharing your expertise with us, TJ. I’m sure this information will be very helpful to our readers.

TJ: My pleasure, James. Thanks for having me.