Roof insurance is generally intended for unforeseen and natural calamities. It’s not intended to take the place of or repair your roof if it suffers from normal wear and tear. To determine its duration and what it covers, contact the manufacturer or your roofing materials and inquire about their warranty. For today, we’ll go through the events that are normally covered by your insurance.
Your roof insurance policy will most likely pay for the cost of repairing or replacing your roof if it is destroyed by fire, wind, hail, or other covered perils in most situations. These are considered unanticipated and unpreventable events. For example, if your neighborhood is hit with hail damage or a wind storm that rips off many of your slate or asphalt shingles, you may be eligible for coverage from your roof homeowners insurance provider.
The majority of the time, roof repair is all that is required. However, you may have to rely on your insurance provider to cover the full cost of a roof replacement. Be sure to check your coverage to make sure your policy covers a new roof if that is what’s needed. Some policies only cover roof repairs.
Most homeowner insurance policies will refuse to compensate for repairs or a new roof if your roof is in bad shape or if your roof leaks on a regular basis. Furthermore, most plans have a deductible that you must meet before your homeowners insurance coverage kicks in. If you’re unfamiliar with a deductible, it’s the amount of money you’ll need to put down before your insurance begins to cover the rest of the cost of the roofing repairs.
If you’re not sure if your insurance policy covers roof damage, the best thing to do is contact your homeowners insurance agent or provider. They’ll be able to tell you what’s covered and assist you in filing a claim if required. Make sure you check this ahead of time so that it isn’t an issue when anything goes wrong. Don’t wait days or weeks to notify the insurance company about the damage; they’ll think you’re hiding something.
Meanwhile, here are some suggestions to help you avoid roof damage in the first place:
You can help reduce the chance of having to submit a claim for roof damage by following these recommendations. If you’re not comfortable performing minor repairs on your own, your roof needs to be replaced, or if you see some roof damage that needs attention, get in touch with a local professional roofing company like Summit Roofing & Construction in Wilmington, NC, today. They offer superior roofing services at affordable prices for homeowners in the Wilmington, NC area. As your experienced local roofing contractor, they’ll work directly with your insurance company to do your roof repairs or your roof replacement.
We hope that this post has clarified what is covered by a roof insurance claim. Most policies will cover the replacement or repair of your roof for damage caused by fire, wind, hailstorms, or other natural calamities. Damage resulting from poor roof upkeep is unlikely to be reimbursed by insurance. Check with your manufacturer’s warranty if you’re unsure about what’s covered under yours. Also, keep in mind that you’ll almost certainly have a deductible to pay before coverage kicks in. If you’ve got questions about what’s covered under your policy, contact your insurance agent or company for further information.
If you live in an area prone to storms, bear in mind that your roof is only as strong as its weakest point. To help reduce the likelihood of having to file a claim, make sure to inspect your roof and trim any trees or branches that might fall on it during a storm. Finally, if you detect any roof damage, don’t hesitate to contact the roofing contractors at Summit Roofing & Construction for further information about routine inspections and repair or replacement of your roof, or to get a repair quote.