Dealing with a roof that has suffered storm damage can be enough of a hassle, but convincing your insurance company to pay for the repairs can make you feel like you’re ready to jump of a proverbial bridge. There is someone who can help you, and it’s not your insurance adjuster. A roofing contractor can give you valuable information and advice on how to file an insurance claim.
Improper Maintenance — Insurance companies will often take a look at the damage that has been outlined in your claim. And if they believe that it was caused by lack of proper maintenance, you’ll have to pay for the repairs.
Materials — Some policies won’t pay for certain roofing materials because of the additional cost, so you should check your policy for these types of exclusions to make sure the repair costs will be covered.
Old Roof — It doesn’t make sense for an insurance company to cover a roof that nearing the end of its lifespan, which is why many of them won’t cover it if it’s 20 years old or more. If your insurance company has this kind of restriction, you should know how they determine a roof’s age. While many homeowners will install a new layer of shingles, many insurance companies won’t see it as a new a roof. They will determine the roof’s age by looking at the bottom layer of shingles, and many insurance companies won’t cover a roof with more than two layers of roofing material.
Repair vs. Full Replacement — In some situations, insurance companies may only cover a roof repair rather than a full replacement. Usually they’ll cover repairs (such as missing shingles) after a storm. But if the damage is severe enough to require a replacement, your policy might not cover the entire cost.
Be sure to speak to a roofing contractor for more information on filing a roof insurance claims.