You may assume your homeowner's insurance will cover your needed roof repairs. The truth is that homeowners insurance can sometimes help cover all or part of a roof repair. However, it's just as possible your insurance won't cover anything at all. Figure out what your insurance will or won't cover before your need for roof repairs becomes an immediate one. Here's what you need to know.
1. Homeowners Insurance Will Have Specific Language
When it comes to roof repairs, your insurance will likely have specific language outlining what it will or won't help with. For example, you may have some coverage for damage from trees or weather. You may not have coverage for damage from premature wear and tear on the roof's structure. If you're not exactly sure what kind of roofing repairs your insurance will help with, then read over your policy. If you have any questions, don't hesitate to contact your insurance provider and ask.
2. Homeowners Insurance May Require a Specific Series of Events
Even in cases where your insurance does cover roof repairs, your carrier may need you to file the claim in a specific way. For example, you may need to take pictures of the damage or write out very detailed notes concerning how the damage occurred. You may need to have an inspection from a service your insurance carrier recommends.
Once again, you should find all these details in your policy. If you go about the claim in the wrong way, a simple mistake can cause you to lose out on any assistance from the insurance company. Don't just start doing things on your own without first contacting your insurance company.
3. Homeowners Insurance Can Have Specific Exemptions
Sometimes your insurance carrier won't cover repairs due to some exceptions or exemptions. For example, you may have a time limit on when you can file a claim for roof damage.
Sometimes, insurance carriers will deny you if your roof's warranty is up. Conversely, a valid warranty may keep insurance from helping. You may have coverage for storm damage, but an exclusion for hail damage. These exemptions are important to take note of. Knowing these exclusions can save you time and hassle on roofing repairs.
4. Homeowners Insurance Isn't the Only Avenue for Roof Repair Help
Whether your homeowner's insurance helps or not, you should still make prompt repairs to your roof. The longer a roof sits in disrepair, the more potential problems that damage can create for your entire home. Occasionally, your insurance carrier can still help you in a limited way depending on the nature of your roof damage.
In addition, you may find some help if you have a warranty on your roof or its individual components. For example, you may have a warranty in place for the shingles you used to replace some damaged ones previously. You may also have a warranty on a previous repair or another roofing service.
No matter what, don't hesitate to contact a professional roofing contractor, such as Palmer Roofing, for any damage. The contractor may even work out a deal or discount with you.Share