Know Your Insurance Policy!
As with any insurance policy, some things are covered and some things are not. Purposely knocking a hole in your roof will not be covered. Storm damage most likely, will be covered.
But exclusions aren’t always that cut and dry, as each insurance provider covers roof damage differently. Check your policy to find out if yours has any of these common exclusions:
Has your roof been properly maintained?
Insurance companies will often inspect the damage detailed in your claim. If your provider determines that the damage was due to or had a contributing factor of improper roof maintenance, you’ll be responsible for the replacement costs.
Certain roofing materials may not be covered
Some insurance policies won’t cover certain roofing materials, such as slate, recycled shakes or other “green” materials because of the extra maintenance costs.
How old is your roof?
Insurance companies will not provide roof replacements that are nearing the end of their expected lifespan, and may only cover part of the expense for a roof older than 10 years old. Every insurance policy and company is different.
In previous roof repairs, if you have placed new shingles over old, the insurance policy may not cover it, as most insurers won’t insure a roof with more than two layers of roofing material.
Repair vs. full replacement: In some cases, homeowners insurance will cover only roof repairs but not a complete replacement. Typically, insurance covers repairs, such as shingles missing after a storm. But if the damage means you need to replace the entire roof, your policy might not foot the whole bill.
If you haven’t already been doing so, you need to properly maintain your roof
Have your roof inspected regularly by a trained roofing professional who can watch for areas that need repair.
Keep the roof clear of debris, such as leaves and sticks.
Keep your gutters clean.
Remove any dead trees on your property that could possibly fall on your roof.
What should I do after a storm?
First thing, look for damage once the storm has passed.
Some storm or wind damage can sometimes be seen from the ground, or from windows overlooking parts of the roof. A lot of damage, however is not visible to the untrained eye. If you have any doubt whatsoever, you need to call a qualified individual to come and perform a professional roof inspection. Some insurance policies have stipulations that dictate how long you can wait after the damage has occurred so that it is still covered under your insurance policy.
Document details related to the damage with photographs
As a homeowner you should take pictures of any damage you note, but your roof inspector should also take photographs. In order to have your roofing insurance claim approved, you will have to provide proof of damage, including measurements, the events that caused the damage, and date/time the damage occurred.
Find out what your policy covers
Once the damage has been verified, contact your insurance company immediately. When you submit your roof insurance claim, an insurance adjuster will be sent to inspect the damaged areas and determine the cost that the insurance company will pay out to repair or replace your roof. This may cover roof repairs or a full roof replacement, dependent on the extent of damage and age of roof.
Choose a roofing contractor with insurance expertise
If your roof insurance claim is covered under your homeowner’s policy, and once it has been confirmed by the insurance agent/adjuster, they will provide the funds for the estimated repair costs. You can choose your own roofing contractor to complete the repairs or perform a roof replacement. Check out our easy 10-step process…