Posted on: 18 January 2017
If storms, vandalism, or other events out of your control cause damage to your roof, you may be wondering if your insurance company will pay for the repairs. Ultimately, that depends on your coverage and the extent of the damage.
However, if you want to boost your chances of getting your roof repairs covered, these tips can help you:
1. Beef Up Your Insurance Plan
If your roof has not been damaged yet but you want to be on the safe side, contact your insurance company to check out what is covered. In particular, talk with your agent about what type of coverage your policy offers on your roof.
Some policies offer full coverage or complete roof replacement in the event of natural disasters or fires. Other policies, however, offer prorated coverage depending on the age of your roof. To explain how a prorate policy works, imagine your roof has a lifespan of 30 years and it is 15 years old. In this case, if you need a replacement, the insurance company may only cover half of the cost.
Ultimately, you want to make sure that your policy covers as much as possible in the event of an emergency. You also want to ensure that you can cover your deductible. Keep in mind if a storm wrecks your roof and you can't afford the deductible, you may be stuck with a damaged roof.
2. Take Notes Immediately After Damage
If your roof is damaged, take note of what happened right away. Write down the date and time of the incident and what happened. Then, take pictures of the damage to your roof. If you are worried about getting on your roof, you may want to contact a contractor to help you assess the damage.
3. Contact Your Insurance Company as Soon as Possible
After the damage occurs to your roof, don't delay in contacting your insurer. Some insurance policies have a statute of limitations on how long you have to report damage. That can make it hard to submit a successful claim if you wait too long.
4. Don't Ignore the Damage
Even if you don't think the roof damage is bad enough to make a claim, you may want to contact your insurer anyway. If you attempt to make a claim in the future and there is unreported damage on the roof, the insurer may not honor the claim.
5. Get a Second Opinion
After you contact your insurance company, they will send an adjuster to your home. The adjuster will look over the damage. They may also ask questions about what happened. Then, they will advise the insurance company what to do about the claim.
If the adjuster tells the insurance company that the claim is valid, you can usually just move forward with your roofing contractor. Your contractor does the work, your insurance company reimburses them, and you just take care of the deductible.
However, if the adjuster turns down the claim, you should look for a second opinion. You don't necessarily have to pay for an independent adjuster or inspector out of pocket. Instead, you should talk with a roofing contractor. Let them know that you want them to look at your roof. They are experienced at assessing roofing damage, and they may be willing to come check out the roof at the same time as the adjuster. They can give you a good sense of whether or not you have a compelling case for a future adjuster.
Ultimately, if your insurance company won't cover the damage, you may just need to hire a contractor from a company like Palmer Roofing. Most roofing contractors can do complete replacements as well as spot repairs.