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Insurance is fairly common to get; however, not many people face a situation where they have to make an insurance claim for their homes. At the time of an insurance claim, not knowing what to do can be tricky.
To make life easier, we have gathered the most common insurance roof replacement questions.
Insurance Roof Replacement Questions
Some of the commonly asked questions are:
- What damage does insurance cover?
- How to remain covered by my insurance?
- Will my insurance company replace or repair my roof?
- When should I call my insurance company?
- Does the roofer I choose matter for insurance?
If any of these questions catches your eye, read on to learn more about it.
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What Damage Does Insurance Cover?
The damage covered varies depending on the policy and insurance company you choose. Generally, most insurance companies provide coverage against the following factors:
- Accidents: If your roof is damaged during an accident, your insurance will cover damages.
- Natural disasters: Not all policies cover all natural disasters, so check with your insurance company and pick the right one for your needs.
- Falling objects: Roof damage by falling objects during storms or otherwise is covered.
- Fires: Insurance covers damage caused by a fire, even if it’s caused by a natural disaster not covered by your policy.
- Vandalism by a third party: You can claim insurance if a third party vandalizes your property.
- Storms: Your insurance covers damage caused by storms such as roof leaks, broken roofing, missing shingles, and impact damage by hail.
- Weight of snow: Your insurance company covers roof damage caused by the excessive weight of snow.
However, insurance companies do have certain terms you have to comply with to remain eligible for coverage.
Also Read: Does Homeowners Insurance Cover Roof Repair?
How to Remain Covered by My Insurance?
Knowing how to remain covered by insurance is one of the most important insurance roof replacement questions which people do not ask. Insurance companies are businesses and cannot hand out money to anyone with a damaged roof. Here are a few things to consider for insurance claims:
Like everything else on this planet, your roof also has a limited lifespan. Most insurance companies offer limited or no coverage for roofs older than 15 – 20 years because they are more prone to developing problems that will increase the liability of your insurance company.
Replacing your roof on time helps protect you and your property from potential harm and often is accompanied by a discount on your insurance premium.
You cannot claim damages if your insurance company finds that the damage was due to neglect. Maintain a proper schedule where you call a roofer bi-annually to conduct inspections and important repair work.
Besides proper maintenance, you should frequently inspect your roof for visual damage. You should look for damaged or missing shingles on the outside roof, or stains, discoloration, peeled paint, and moss on the inside ceiling.
Whenever you notice any signs of damage, immediately call a roofer to patch it up to prevent the damage from spreading.
Your insurance company won’t pay damages for a poorly maintained or an old roof, so ensure that you keep these things in mind.
Will My Insurance Company Repair or Replace My Roof?
Insurance companies offer comprehensive coverage for roof repairs and replacements. However, what they do depends on the extent of damage to your property.
Your insurance company will cover repairs for a few damaged shingles. However, if there is extensive damage to your roof, they will cover you for a roof replacement.
Since repairing a majorly damaged roof isn’t feasible for the company due to the higher repair costs that follow, replacing the roof is a more viable option for them.
When Should I Call My Insurance Company?
Once you notice any signs of damage, you should contact a great roofer to do an inspection to confirm the damages and then notify your insurance company. However, make sure to save yourself and your possessions before calling up your insurance and booking an inspection. Insurance companies have a timeframe from the moment the incident occurs for you to claim damages.
You should try to maintain a photo album that shows the roof before and after the damage to strengthen your case. After your insurance company comes over to document and inspect the damage, call to get the leak fixed immediately as tarps are only temporary.
Does the Roofer I Choose Matter?
The short answer is yes; the roofer you choose has an impact on whether your insurance will cover damages or not.
Outsourcing roof installations or repairs to an unskilled or budget contractor can be catastrophic and lead to more long-term costs. You should also never treat your roof as a DIY project and attempt to replace or repair it yourself unless you are skilled enough to perform the work.
Roofing is a highly specialized field and requires years of experience to develop the right skillset. While any roofer can get the job done, only an experienced one can give you the peace of mind that the work will be done correct and if there is a problem they will be around to honor their workmanship warranty.
Inexperienced roofers might not seal the roof properly that can cause potential leaks. To make things worse, insurance won’t pay for damages caused by an improperly installed or repaired roof.
Schedule for maintenance, inspections and repairs that may be needed to prevent the most common roof leaks.
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We build our roofs to stand the test of time and harsh weather conditions. So, whether you need a new roof or small roof repairs for your home or business, you know that RoofCrafters will keep you safe and provide a peace of mind.