If there is one thing that is certain in life, it’s how unpredictable the weather can be! With unpredictable weather comes severe storms that can leave costly damage to the exterior of your home. Elements such as wind, hail, snow, and fire have the power to severely damage your home, which is why having and utilizing home insurance is critical. Understanding and meeting the requirements to prove your roof damage can be daunting, overwhelming, confusing, and frustrating.
Here are some tips from our team to help guide you through your insurance policy to potentially cover roof repairs or replacements after a storm.
Understand what is covered. Your insurance policy will only cover your roof repairs if they are demonstrated and proven to be caused by a storm or other peril out of your control. Insurance does not cover roofs that need repair or replacement due to normal wear, age, or show a lack of preventative regular maintenance.
Thoroughly educate yourself on your insurance policy. Before you discuss the claim with an adjuster, be sure to read over your homeowner’s insurance policy, especially as it pertains to roof replacement. Next, look for your insurance policy’s deductible and coverage limits. The deductible is the amount you must pay out of pocket toward a covered claim. Coverage limits are the maximum amount your insurance company will pay for any loss.
Depreciation and insurance payouts. Check your policy for rules about depreciation. The age of your roof often determines the amount you will be reimbursed for roof repairs or replacement.
Document everything! When a storm damages your roof, you need solid evidence to prove the cause. Be sure to take many pictures of the roof’s condition, and whatever debris or evidence was left from the storm. Be sure to get your paperwork in order for any roof repairs or roof maintenance you had done while you were the homeowner. You want to prove that your roof was in good shape before the storm.
Ask us for help. At Built Strong Exteriors, we’ve been through the storm, insurance claim, and roof repair cycle countless times. We’ll help you get a temporary repair on your roof to prevent further damage, and we’ll inspect and analyze your damage to write the report for your insurance claim. We’ll even talk with your insurance adjuster if needed. And, of course, we’ll be there to repair or replace your roof once your claim is settled.
Our Built Strong Exteriors team is here to guide you through the entire process of utilizing your insurance after a damaging storm for roof repairs and replacement. Have questions? Call our team today at 651-413-6005, our professionals are standing by to assist you.