Roof Insurance Claims
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Roof Insurance Claims
Home Insurance Policies usually cover roof damage caused by vandalism, fire, or natural disasters such as tornadoes and/or hurricanes, aka roof storm damage. Whether or not they will cover costs for any damage caused by extreme winds, rain or hail is determined by the policy you put into place and the overall age of your roof. It is always the best course of action to contact your insurer as soon as you notice damage because the timeframe your insurance company gives you to file a claim often depends on the damage itself and the policy the company has in place which can lead to more insurance roof replacement questions.
Key Tips
Some key tips to follow would be to first contact your insurance company and find out what your specific policy covers, then, if possible, provide “before” and “after” images in order for them to assess the damage properly. Below are some of the most frequently asked Insurance Roof Replacement questions with provided answers, contact us today through email or phone to find out any additional information.
Will my rates increase if I file a roof insurance claim?
No, homeowners insurance does not work in the same way as auto, so you will not be penalized if you file a roof replacement claim for something like roof storm damage. There are some scenarios that may result in an increase rate such heavy storm damage in your entire area, but this type of rate increase isn’t related to claiming for replacements on your home’s roof.
Can I file a roof insurance claim for fire or animal damage in addition to roof storm damage?
Depending on who you are dealing with, insurance companies can be conservative about roof replacement claims for storm roof damage, etc. They may deny them for one reason or another, but sometimes the denial is not justifiable and can happen when an adjuster didn’t do their job properly or they hurried through the process. Because of this fact, you definitely have the right to seek out a second opinion and you may consider hiring a public defender as they have more time than average claim assessors in order get all information out on paper before making any final determinations so no mistakes go unnoticed and you can get the coverage you need.
Can I file a roof insurance claim for fire or animal damage in addition to roof storm damage?
In the majority of cases yes you can, however, it depends on what exactly your current homeowners policy covers. Many policies claim that if your roof is older than a specific age such as 20 years, then the roof is considered to be past its life expectancy so make sure you know what yours is set at. When this happens, the insurance company can only opt to pay the depreciated value or in some cases nothing at all. Another cases in which you would be denied is if it is found you are at fault for the damages in any way.
Leave It To Synergy Roofing
Have you been looking for a roofer? Whether it be commercial or residential roofing, look no further than Synergy Roofing. Our team members are professionally trained and experienced to deliver the most high quality services available in the area! You’ll be glad that you found us when it comes time for your next project. Contact us today!