Your roof is one of the most expensive elements of your home and when damage occurs, it can be costly. Typically a homeowners insurance policy does cover your roof and the cost of replacing it if it gets damaged. You are covered only if the damage results in a sudden accident or act or nature—not from problems resulting from wear and tear or the roof’s age.
The homeowner will still have to pay the policy deductible before your coverage takes effect. Some policies in higher risk states impose a high deductible for damage from hurricanes or hail. In this case, a homeowner can purchase additional coverage or separate windstorm or hurricane insurance.
The homeowner also has the responsibility to maintain the roof and make repairs in a timely manner as needed. Regular professional inspections will indicate to your insurance company that your roof is being taken care of. You don’t want any policy exclusions because your roof isn’t being maintained. The age of your roof may also cause certain policy exclusions or if the roof is too old, it may not be covered at all.
If you need to submit an insurance claim for your roof, make sure to gather up the documents pertaining to your roof, including your homeowners insurance policy, any professional inspection reports, receipts for repair and maintenance of your roof and even pictures of your roof when it was in good condition. All of this will be helpful in the claims process. An adjust from the insurance company will be sent out to inspect the damage and offer an assessment.
CM Roofing Pros has years of experience dealing with insurance claims for roof repairs and replacement. We can take you through each step of your insurance claim and help you navigate all the ins and outs of dealing with your insurance after damage to your roof. We can help you put a plan in place quickly to repair the damage or replace the entire roof if needed. Let CM Roofing Pros get your roof back in top condition as soon as possible.