No homeowner wants to pay for a new roof if they don’t have to. Insurance probably won’t pay to replace a roof that just has normal wear and tear. However, when hail and wind damage your roof, it’s often covered under your policy. Instead of having to pay the entire amount of roof replacement, often you’re only responsible for your deductible. You pay annual premiums to protect your home from this type of situation, so you deserve to receive the promised coverage.
How to Know What’s Covered
The best way to find out about your policy is to contact your insurance company. Most policies cover damage from the following:
- Fire
- Vandalism
- Hurricanes
- Tornadoes
- High wind
- Hail
Usually your policy pays to restore anything the event damaged. If storms destroyed your gutters and siding, they should reimburse you for that as well.
Some policies reduce the amount they’re willing to pay according to the age of your roof. They reason that you have already enjoyed a certain number of years out of your roof, and they only reimburse you for the depreciated value. Other policies pay for a new roof regardless of the age.
Sometimes damage from flooding isn’t covered under regular homeowner’s insurance. Flood victims after hurricanes Irma and Harvey were shocked to find that in many cases, they had to pay for damage out of pocket.
How to Successfully File a Claim
In order to receive the full available benefit, it’s important to fill out your claim correctly. Many companies require you to contact them within a certain time frame, so call your insurance agent as soon as you notice damage. Ask about the procedure for filing a claim, and If you have to stay somewhere other than your home, keep receipts so you can ask to be reimbursed.
Research roofing companies in your area. Look for established businesses that have been around for a while, so you can find evidence that supports their reputation.
Once you’ve selected a company with a reputation for value, call for a roof inspection. Ask them to provide a written estimate that includes an itemized list of what your roof needs and states that repairs are not sufficient in your situation. Then you can present the estimate to your claims adjuster.
Wait until your insurance company approves your claim before scheduling a replacement. If you feel the amount they offer is too low, you can appeal the amount in court.
If your roof damage is due to age or other factors not covered by insurance, Mr. Roof offers several financing options that can help you pay for replacement. Contact us to schedule a free estimate and find out your options.
