Roofing and Home Insurance
Most home insurance policies offer coverage if a covered hazard causes roof damage.
Roofs are a crucial element of a home's exterior. Their constant exposure to the severe weather makes them one of the most commonly damaged home sections. When a roof experiences unexpected damage, homeowners want quality repairs that are quick and affordable.
A homeowner's insurance policy can cover roof repairs and even a complete roof replacement based on the cause of damage. However, getting the claim approved by the insurance company can be complicated and challenging to navigate without prior knowledge of the policy or steps to file the insurance claim.
What kind of roof damage is covered in home insurance?
The insurance carrier can cover the repair costs of a damaged roof or the replacement cost based on the insurance policy coverage and the company's claim assessment. Most home insurance policies offer coverage if a covered hazard causes roof damage. It may include damage from rain, wind, hail, fire, lightning, falling objects, vandalism, smoke, snow weight, ice, or sleet. Generally, damages caused by inclement weather and natural disasters fall under roof insurance coverage.
However, home insurance does not cover roof damages resulting from long-term wear, lack of maintenance, clogged gutters, debris buildup, mildew, structural failure, or the roof's old age. Regular inspection and maintenance are essential to maintain the roof's structural integrity, keep it in optimal condition, and enjoy the financial protection offered by home insurance.
How does a roof insurance claim work?
Let's explore the steps in submitting a roof insurance claim:
Understand the roof insurance coverage
Before filing for a claim, a homeowner should read and understand the home insurance policy coverage. An insurance agent can provide a copy of the insurance policy. The coverage varies with the specific policy, location, and source of damage. The majority of insurance agencies offer repair and replacement coverage.
Document the damage
Assess the damage and document it carefully. Take pictures of any damage to the roof's exterior and the home's interior. Also, document the date and time of the damage. Properly documenting the proof of damage and collecting suitable evidence makes filing a claim for repairs or replacement easier.
Hire a reliable roofing company
Find a reputable and dependable roofing contractor to inspect the roof and provide a detailed repair estimate. Many home insurance companies request a professional inspection report before approving an insurance claim.
File for the claim
Many insurance companies may require homeowners to file a claim within a specific time after the damage occurs. Waiting too long to file a claim may lead to denial.
Hire a roofing company that can help file the claim, adhere to the insurance company's specific procedures, and submit the supporting evidence. After claim submission, the insurance company sends an insurance adjuster to assess the damage and prepare a report of their findings.
Schedule roof repair or replacement
Once the insurance company approves the claim, contact a local roofing company to perform the necessary repairs or replacements and restore proper roof functioning.
Not many homeowners are sure whether they are entitled to have their repairs or replacements covered by an insurance claim.
Understanding how to pay for roof damages through home insurance is the best way to ensure speedy repairs and reduce out-of-pocket costs. A professional roofer can educate homeowners regarding roofing coverage offered by the home insurance policy and provide the necessary assistance.
Irish Roofing Company provides Scottsdale with roof inspection, installation, sealing and repair. We offer shingle services, tile roof services, flat roof services, roof cleaning, roof inspection, roof installation, leak repair, roof recovering, roof repair, roof sealing, skylight installation and replacement, and wood shake services for commercial and residential customers.
