Most homeowner’s insurance policies cover roof repairs and replacements, providing you with peace of mind knowing you are financially protected. But there are several steps and intricacies homeowners should be aware of when filing a claim for roof damage.
Here’s how you can make the most out of this essential protection for your home.
1. Speak with a Reputable Roofer
If your roof sustains damage, you have a responsibility to reduce further damage. Otherwise, your insurance company may not cover the full repair or replacement.
Before calling your insurance agent, call your roofing company first. A roofer can provide an initial inspection of the damage and help you mitigate further damage while waiting for a repair or replacement.
Once you understand the damage you’re facing, contact your insurance agent to start your claim. You’ll have a more informed conversation after speaking with a professional roofer about what caused the damage, where the damage is located, and other details.
Your insurance company may send out an adjuster to inspect the damage, survey the property, and collect additional information. It’s essential to document the damage with photographs and other evidence to support your claim.
Specifically, your insurance adjuster will want to know the age o the roof and see whether the roof has been well-maintained. Older roofs or those that have not been properly maintained may receive lower payouts. Neglect may also be cause for your claim to be denied.
Not all types of roof damage will be covered by your insurer. Typically, coverage applies to specific events such as hail, wind, lightning damage, and falling objects. You’ll want to review your policy in closer detail before filing a claim.
When you file a claim for roof repair or replacement, you will have to pay a deductible, which is the amount you are responsible for before the insurance coverage kicks in. For instance, if the repair cost is $5,000 and your deductible is $1,000, you will need to pay the $1,000 deductible, and the insurance will cover the remaining $4,000.
There might also be coverage limits on how much the insurance company will pay for roof repair or replacement. Make sure to review your policy to understand these limits and any exclusions related to roof coverage.
Your roofer should be part of the insurance claims process to ensure you’re treated fairly and receive the full extent of the repair or replacement you need. Our team is here every step of the way and will meet with adjusters to take pictures, point out the damage, and share our recommendations for moving forward.
Contact us today to schedule your roof inspection and let us work with your insurance company on your behalf.