If you’re a resident of Roswell and have experienced roof damage due to a recent storm, you may be wondering what to do next. One of the most important decisions you’ll need to make is whether or not to file an insurance claim.
Unfortunately, there are many myths floating around about roof damage insurance claims that can lead people astray. In this blog post, Curvelo Restorations will debunk 5 of the most common myths and tell you the truth about what to expect if you decide to file a claim.
Myth 1: Amount Claimed Means Amount Paid
Top on our list is the assumption that the insurance company will pay any amount of the property owner’s claims. In reality, the company will first send their roofing inspector, or “adjuster,” to assess the damage.
If your roof repair budget exceeds your insurance policy deductible, you will be responsible for paying the difference. To avoid this situation, work with a roofer who provides roof insurance claim assistance to help negotiate with your insurance company.
Myth 2: No Deductible
This assumption could stem from a gimmick used by insurance agents to sell their policies. Some agents will tell you that there is no deductible for roof damage claims, but this is not always the case.
When filing a roof damage insurance claim, you will likely have to pay a deductible. The deductible varies depending on your insurance policy. Still, the insurance company should cover the rest of the repairs once paid.
Myth 3: Only Restoration Reveals
Many property owners labor under the delusion that they will only know the amount of claim after the roof restoration is complete.
However, if you work with your roof company, they can help you estimate the cost of repairs before starting any work. They’ll also ease proceedings with the insurance adjuster to ensure you’re getting the most out of your claim.
Myth 4: A New Roof
A roofing insurance company aims to restore your roof to its original condition before the damaging event occurs.
If the repairs aren’t severe to the point where a new roof is needed, the company won’t cover it. You can expect a new roof only when it’s the only way to right the wrong.
Myth 5: Warranty vs. Insurance
While a reputable roof company will offer you a warranty on their work, it’s not an alternative to roof insurance, as some think.
The warranty only covers the workmanship of the roof services and not any future damage to your roof. Suppose your property suffers damage from natural calamities like hail or high winds. In that case, you’re out of luck if you don’t have roof insurance.
Looking for help with your roof insurance claims in Roswell, GA? Curvelo Restorations is here to help. We’re a reliable and reputable roofing company that’s been in business for years.
We offer a wide range of roof services and are always here to help you with your roofing needs.