Perhaps your roof took heavy damage from a turbulent Texas storm or some other unavoidable severe weather event. Regardless, the damages could put you thousands of dollars in the hole. At a time when people are just getting back to work, struggling to pay off past due loans, and supporting their families– the last thing they need is for their home insurance provider to deny their roof replacement claim.
If you need help getting your insurance company to pay up, follow these proven tips.
Types of Roof Insurance Covered by Home Insurance
If you have dwelling coverage on your homeowner’s insurance policy, your entire home is protected under the policy. This includes your roof. Unfortunately, this policy typically only covers unforeseeable accidents, fires, and damage caused by natural disasters. Oftentimes, they will also try to pay as little as possible, even when there is a qualifying cause for the damage.
To ensure you get the most out of your policy, be sure you understand what it entails. Your policy will likely cover damage caused by fire, lightning, accidents, explosions, and vehicles. Unfortunately, if you live in Texas, it probably won’t cover flooding, damage caused by ongoing leaks, wind damage, or general wear and tear.
You should also be aware if you have replacement cost coverage or actual cash value coverage. If you have replacement cost coverage, insurance will cover the cost at the current market rate. That means if when you initially got a roof twenty years ago, and now it costs thousands more, insurance will pay whatever the price is now. You’ll only be responsible for the deductible. Alternatively, a cash value policy will put you on the line for a much higher out-of-pocket cost because it only reimburses you for the depreciated amount.
Sometimes damage reduces the lifespan of your home’s roof. To determine if your insurance company is liable for the cost of a roof replacement, they’ll send out an insurance adjuster to count the shingles affected by hail strikes. Fortunately, if the storm made a substantial impact, your insurance policy may cover a new roof because the existing one will have a reduced lifespan. You may also get a new roof your roof’s original materials are no longer available.
Things Insurance Doesn’t Cover
Ultimately, it’s your job to keep your roof in good shape. If the roof damage is caused by lack of maintenance, your insurance policy won’t cover it. Not taking care of your roof may also make it more difficult to get a claim payout when your room is damaged due to extenuating circumstances like a storm.
Tips for Filing a Claim
Our #1 tip for filing an insurance claim is getting insurance claims support from CK Roofing in the Houston-Tomball area. Our knowledgeable staff will eliminate the stress associated with filing claims and ensure you get the payout you’re entitled to.
Second, you’ll need to assess the damage. We can help with that too. You’ll need a detailed estimation of the damage which is why we send out our experienced roofers to assess the damage and give you an accurate valuation of the damages. We’ll do this quickly to ensure you get the highest payout, because if the damage sits too long, the insurance company may reduce the payment amount.
Next, we’ll handle filing the claim with your insurance company and wait for authorization. At this point in the process, we will have to wait on your insurer’s adjusters to confirm or combat our findings. This can be a tricky process, but CK Roofing is happy to help you through it.
#1 Houston Roof Repair and Replacement Company– CK Roofing
Once your claim is approved, all that’s left to do is get started on your roof repair or replacement. Our expert roofing contractors will get to work right away and install a beautiful new roof on your Texas home. Still have questions about us or the claims process? Give us a call or connect with us on Facebook. We look forward to working with you and hope to make this process as easy as possible for you.
Our roofing company is readily accessible and ready to serve homeowners living in Cypress, Houston, Tomball, The Woodlands, Sugarland, Spring, and the surrounding areas.