Key Takeaways:
- Insurance policies often cover damages caused by severe weather conditions like hailstorms, hurricanes, and thunderstorms.
- If your roof has collapsed due to heavy snowfall or strong winds, it will be covered under your insurance policy.
- If your roof has been damaged or destroyed by fire, your insurer will likely cover the repairs or replacement costs.
- Leaking roofs result from damages caused by faulty shingles, clogged gutters, or other factors. In most cases, insurance will cover the cost of roof repairs due to water damage.
- When it comes to roof repairs, it is always best to hire a professional roofer who is experienced and knowledgeable about the repair process
Most people know that their home insurance policy covers damage to their property from specific causes, like wind or hail. However, many people don’t realize that there are several types of roof repairs that your insurance will pay for. So, if you’re experiencing any problems with your roof, give your insurer a call and see what kind of coverage you have.
Always reach out to a professional roofing contractor beforehand to get appropriate guidance about your roof repairs. However, to give you a better idea, let’s discuss some of the most common roof repairs covered by insurance policies.
Roof Repairs That Your Insurance Policy Will Pay For
Weather-Related Damages
Insurance policies often cover damages caused by severe weather conditions like hailstorms, hurricanes, and thunderstorms. If your roof has suffered damage due to these conditions, immediately contact your insurer and file a claim.
Collapsed Roofs
If your roof has collapsed due to heavy snowfall or strong winds, it will be covered under your insurance policy. However, it’s important to note that only complete collapse is covered, and partial damage is not.
Fire Damage
Suppose your roof has been damaged or destroyed by natural fire. In that case, your insurer will likely cover the repairs or replacement costs.
Water Damage
Leaking roofs are often caused by faulty shingles, clogged gutters, or other factors. If your roof leaks, it’s essential to have it fixed as soon as possible to avoid further damage. In most cases, insurance will cover the cost of roof repairs due to water damage.
Here are some myths about insurance claims you want to look out for to give you a better idea.
Roof Damages That Are Not Covered in An Insurance Policy
Damages From Theft, Vandalism, Or Animals
Most insurance policies will not cover damage caused by theft, vandalism, or animals. Suppose you live in an area where these types of incidents are common. In that case, it’s crucial to have a good security system in place to protect your property.
Intentional Damages
If you intentionally damage your roof, your insurance policy will not cover the cost of repairs. This includes damages caused by fireworks or other intentional acts.
Regular Wear and Tear
Your roof is exposed to the elements 24/7, so it’s no surprise that it will eventually need to be replaced. Most insurance policies don’t cover the cost of roof replacement due to normal wear and tear. However, if a covered event damages your roof, your policy may pay for the price of a new roof.
Poor Maintenance
Suppose your roof is in poor condition due to a lack of maintenance. In that case, your insurance company will most likely not cover repairs or replacement costs.
It’s essential to keep up with regular maintenance on your roof, like cleaning gutters and trimming trees to avoid costly repairs down the road.
How Do Insurers Determine the Repairs Covered by Your Policy?
When you file an insurance claim, your insurer will send an adjuster to inspect the damage and determine the cause. They will also estimate the cost of repairs.
In some instances, the insurance company may decide that it’s cheaper to pay for a new roof than to repair the existing one. If this is the case, they will usually cover the cost of a new roof up to a certain amount.
Suppose you’re not sure whether or not your insurance policy will cover roof repairs. In that case, it’s best to contact your insurance company for further information. They will guide you on what is and is not covered under your policy.
Even if your roof damage is not covered by insurance, it’s still a good idea to have it repaired as soon as possible. A professional roofing contractor will then inspect your roof for damage and make necessary repairs. This will prevent further damage to your roof and home and extend the life of your roof.
Making an Insurance Claim: The Process Explained
Making an insurance claim might seem daunting, but it doesn’t have to be. Follow these steps, and you’ll be on your way to securing the repairs you need.
- Contact your insurance company: The first step is to contact your insurance company and inform them that you will make a claim. They will likely ask you for basic information about the damage to your roof, such as when it occurred and how extensive the damage is.
- Gather documentation: Once you have spoken with your insurance company, they will likely request that you submit documentation supporting your claim. It may include photos of the damage, repair estimates, or other documentation.
- Submit your claim: Once you have gathered all the necessary documentation, you will need to submit your claim to your insurance company. They will then review your claim and decide on coverage.
- Schedule repairs: If your insurance company approves your claim, they will likely provide you with a list of approved roofing contractors who can perform the repairs. Once you have selected a professional roofing contractor, you must schedule a time for the roofing services to be completed.
Reasons You Need to Hire a Professional Roofing Contractor.
Experience
A professional roofing contractor will have the experience necessary to repair your roof correctly. They will also be familiar with the procedures and requirements of insurance companies, which can save you time and hassle.
Safety
Roofing can be dangerous, and attempting to perform repairs yourself could result in serious injury. A professional roofing contractor has the training and equipment to repair your roof safely.
Warranty
Most roofing services offer some warranty on their workmanship. It can give you peace of mind to know that your repairs are covered in case any problems arise.
Peace Of Mind
One significant benefit of hiring roofing services is the peace of mind with someone with experience handling your repairs and doing the job right the first time.
Roofing repairs can be a complex and challenging task. Still, with the help of a professional, you can rest assured that your roof will be repaired properly.
When it comes to roof repairs, it is always best to hire a professional roofer who is experienced and knowledgeable about the repair process. It will ensure that your roof is repaired correctly and will last many years.
Curvelo Restorations provides brand-new roof installations, repairs, replacements, and other roofing-related services in Milton, GA. Improve your curb appeal and increase your home’s value by getting your roof repaired professionally.
