For those of us fortunate enough to own a home, having homeowners insurance is a legal necessity. However, some homeowners may not fully understand the scope of their coverage. Most home insurance policies cover roof replacement when the damage is a result of extreme weather events like hurricanes, tornadoes and fires. Once you cross over into the land of yearly wear and tear, leaks, or tree branches falling on your home, the waters get a little muddied.
One would think that your homeowners insurance would cover roofing repairs, especially since they claim to cover full roof replacements. Insurance, in theory, is there to help protect your home in the event of an incident. But if your roof is more than 10 years old, rarely does an insurance company pony up for the entire cost of repairs if your roof was damaged because of non-catastrophic events like hail, high winds or a tree crashing into your living room.
The best rule of thumb is to examine your policy thoroughly. It may be time-consuming, but if you don’t read the fine print, it could wind up costing you hundreds of dollars in the future. Amongst others, there are two main things your insurance company will consider before shelling out any money for roofing repairs or roof replacement.
ROOF REPAIR COSTS IN DIFFERENT STATES
So, your roof has been compromised and damaged, what’s next? Your next move will rely on several factors… Information, preparation, documentation and having a professional roofing company on your side.
It is a must that you contact a roofing contractor that has experience with insurance claims. They can help you navigate the complicated waters of insurance claims as it pertains to roof repair and replacement in your state. Having an outside opinion will prove to be a valuable asset when you are facing a large-scale project like roof replacement.
As with gas prices, cars, groceries, and just about any service or product for sale, prices differ depending on where you live in the United States. The same holds true with roof replacement and roofing services. According to a source, Southern regions and the Midwest are anywhere from 8-15% below the national average. While this may seem like a good thing, there is a reason for it.
The South and Midwest are prone to storms, hurricanes, tornadoes, etc. Insurance companies, always trying to save a buck, typically will offer to bring in their own roofing company to do the work.
It is advised that you steer clear of this and push to have an independent estimate from a reputable roofing contractor. Otherwise, you may be opening yourself up to substandard work if you go with the roofer your insurance company has provided.
HOW TO GET YOUR INSURANCE COMPANY TO PAY FOR ROOF REPLACEMENT OR REPAIR
Typically, insurance companies think it is up to the homeowner to keep their roof in good condition. If you can prove that you have done your part to preserve the integrity of your roof throughout the years, then they may be more motivated to help you.
The truth is, insuring roofs that are 20 years or older is getting more difficult, if not impossible. Taking good care of your existing roof gives you the best chance of getting the coverage you deserve. If you are proactive and treat your new roof with care and consideration, when disaster strikes, you will be able to get your roof fixed in an affordable and expeditious manner.
For close to 40 years, PetersenDean has been delivering superior roofing installation replacement services to customers throughout the United States. If you need a fair and affordable roofing consultation, call PetersenDean today: 1-888-893-5222