Roof Insurance Claim Assistance In Indianapolis, IN, & Surrounding Areas

Cochran Exteriors provides trusted roof insurance claim assistance for homeowners and business owners in Indianapolis and surrounding areas. Whether you’ve experienced hail damage, damage from heavy winds, or any type of storm damage, we will guide you through the entire claims process. Don’t navigate the complexities alone - contact us today for professional assistance.

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Damaged roof shinlges on roof in Indianapolis

How to Prepare for a Roof Insurance Claim

Has your roof been damaged by a recent storm? Cochran Exteriors is here to guide you through the entire process, from filing an insurance claim to overseeing high-quality repairs. Follow these steps: 

  1. Document the damage with photos and videos as evidence for your claim
  2. Contact us for a free roof inspection and a comprehensive assessment of the damage
  3. If the repairs exceed your deductible, file an insurance claim
  4. Meet with the claims provider to receive your coverage quote
  5. Once approved, receive your insurance check and initiate the repair process
  6. Hire Cochran Exteriors for expert roof repairs

The process of recovering from roof storm damage is a daunting task. Contact Cochran Exteriors for help with your insurance claim and restoring your roof to pre-storm condition.

Roof storm damage caused by hail

Why Hire Cochran Logo for Insurance Claim Assistance?

  • FREE Roof Inspections:
    One of our local storm damage restoration experts will analyze your property from the chimney to the foundation. We’ll also write up a full exterior report and analysis.
  • We Provide Documentation: 
    We will document your property in detail to generate the proper records for the insurance company. We send out an insurance adjuster, every time.
  • We Meet With The Insurance Adjuster:
    We will meet with the adjuster onsite to ensure that all necessary repairs are done to today’s strict building codes and compliant with manufacturers' specifications.

Common Roof Damage Covered By Insurance

Your homeowners' insurance will most likely cover any roof damage caused by events outside your control. Coverage on specific policies varies, however homeowners’ insurance usually covers: 

Damage from Debris

Wind Damage

Damage from Lightning

Fire Damage

Ice Damage

Hail Damage

Damage Claims Commonly Denied by Insurance in Indiana

Insurance providers frequently reject claims when the damage is considered an excluded event under the policy terms. Two common grounds for denial are roof damage resulting from lack of maintenance over time or issues because of the age and normal wear and tear of the roofing materials. Neglecting routine upkeep can give insurers justification to deny covering necessary roof repairs or replacements.

Storm Damage Roof Repair Services in Indianapolis, IN

Cochran Exteriors specializes in restoring storm-damaged roofs, providing fast and professional repairs. Our skilled technicians conduct thorough inspections to identify and address all problem areas. Common storm damage in Indianapolis includes:

  • Roof Damage from Heavy Winds
  • Roof Damage from Heavy Rain and Hail
  • Roof Damage from Ice and Snow

Cochran Exteriors also offers emergency roof repair services for Indianapolis homeowners. We understand the urgency of protecting your property, and we will respond quickly to mitigate further issues. Contact us today to receive a free estimate on storm damage roof repairs. 

Reasons an Insurer Might Deny a Claim

Insurance companies may deny a roof damage claim for several reasons, often related to insufficient documentation or failure to meet policy requirements. Here are some common grounds for claim denial:

  1. Inadequate documentation of the damage
  2. Filing past claim deadlines
  3. Lapsed insurance payments
  4. Providing false statements about the accident

To increase your chances of a successful claim, ensure you meticulously document the damage, adhere to all filing deadlines, maintain current policy payments, and provide accurate information throughout the process. Review your homeowners’ insurance policy to understand the specific types of roof damage covered and any exclusions. 

Free Roofing Inspections for Storm Damage in Indianapolis, IN

Cochran Exteriors provides free roof inspections after storms for homes in the Indianapolis area. Even if your home is not clearly damaged, a roof inspection is still vital to ensure your roof has not suffered any underlying damage. 

Frequently Asked Insurance Claims Questions

It is unlikely your insurance will cover damage caused by a rotten roof unless you are able to prove the damage was caused by scenarios outside of your control.

Insurance companies can deem a roof uninsurable because of the roof’s age, geographical location, age, or the current state of the roof. They may refuse to insure any roof they deem “high-risk.”

Insurance policies often exclude coverage for damage that gradually occurs over a long period of time. If the cause of the damage is not classified as sudden and accidental, your insurance claim may be denied.

Usually, yes, your insurance rates will increase after filing any type of claim. Even when the damage was caused by events outside of your control, your insurance company can increase your rates for the next year’s period.