It’s important to be aware of things that can damage your roof. Consider that one inch of rain during the summer results in almost 1,500 gallons falling on your roof. In addition to water, hail can also cause roof damage: the National Oceanic and Atmospheric Administration (NOAA) reported that in 2018, there were about 4,600 significant hail storms.
It’s also important to know which damages will be covered by the roofing insurance that is part of your homeowners insurance. You’ll want to get repairs done as soon as possible after a hail storm, wind storm, or heavy rainfall. If you know what damages are covered ahead of time, you’ll be better prepared to submit claims to your insurance company.
Will Your Homeowners Insurance Pay for Roof Repair?
Your policy’s dwelling coverage applies to the structure of your house from particular damages. The roof is considered part of your home’s structure. Damages that are typically covered include those caused by hail, wind, and fire, although some policies exclude damages from hail and wind. You will need to meet your deductible before the insurance will pay. You should be aware of your coverage limits, which may reduce the amount you will receive.
Do Roofing Companies Work with Insurance Companies?
If you need roof repairs for damages covered by your homeowners insurance, you should first contact your insurance company. Next, you’ll need to find a roof restoration company that is experienced in working successfully with insurance companies. Make sure that the roofing company will work directly with your insurance.
How can you ensure that the insurer will cover the roof repair costs?
Have your roofing company reach an agreement with the insurer regarding the amount of reimbursement. Once you meet your deductible, all further costs should be covered, and the roofing company should keep you informed about costs throughout the duration of the repairs.
To find a company in your area, search online for “roof restoration companies.” You may need to interview several companies before you find one that will work tirelessly on your behalf to get your repairs covered by the roofing insurance portion of your homeowners policy.