Filing an insurance claim because of storm damage to your roofing system is sometimes complicated. Does your home insurance cover it? If not, then what coverage does it provide? To better understand how the insurance claims process works when it comes to storm-damaged roofing, Elevated Roofing, one of the area’s trusted residential and commercial roofing contractors, shares some essentials.
1. Insurance policies have specific conditions about your roof’s age. This makes filing for a claim a bit trickier. For instance, if your roof is less than 10 years old, then the policy will cover the full value of your system. When your roofing is older than 10 years, on the other hand, then you’ll only get reimbursed for the system’s depreciated value.
2. Before filing the claim, you’ll need to secure your roof from further damage. Once the wind or hail storm has passed, check your roof for any significant damage, and should you find any, take the necessary precautions to prevent it from worsening. This means turning to one of the area’s premier residential and commercial roofing companies, Elevated Roofing for emergency repair services. When this is completed, you can start the claims process. In an ideal situation, your insurance company will either cover the costs of repairing your roof to its pre-loss condition, or cover its replacement, depending on the policy terms.
3. There are types of roof damage not covered by your insurance policy. The standard homeowners’ insurance policy generally offers coverage on roof leaks, or damage caused by hail, wind, or fire. But there are exceptions to the type of damage it covers. These may include normal wear and tear on your roof, roof problems caused by poor maintenance, damage by wind or hail if the insurance has wind and hail exclusions, or failing to take prompt action after a storm.
4. It’s important to get an accurate roof inspection estimate. This way, you can create a solid foundation for the remainder of your insurance claim. Elevated Roofing can help you with this. As a HAAG-Certified roofer, we can help you through the process with our effective damage inspection and assessment services, allowing for detailed and accurate estimates. And because we have established a successful partnership with many insurance companies over the years, we know how to get your claim approved and funded.
Just search ‘reliable residential and commercial roofing contractors near me’ online and Elevated Roofing will be top of the results. We ensure a smooth and worry-free process when you turn to us for insurance claims support. We serve Birmingham, AL and the nearby areas. Call us today at (205) 684-3945 or fill out this contact form to schedule your consultation.