When faced with a potential issue with their roof, many homeowners think to call their insurance company first. However, this may not always be the best course of action. Calling your insurance company before scheduling a roof inspection can actually increase your rate, even if you don’t file a claim. Insurance companies view homeowners who call frequently as a higher risk, which can result in higher premiums over time.
It’s important to get an inspection from a professional roofing contractor before calling your insurance company. A roofing contractor can assess the condition of your roof and determine whether there is damage that could potentially be covered by your insurance policy. This can help you avoid filing unnecessary claims and potentially getting your rate increased.
By getting a roof inspection first, you can also determine if the damage to your roof is severe enough to warrant a claim. Many homeowners insurance policies have a deductible that must be met before coverage kicks in, so it’s important to determine if the cost of repairs or replacement will exceed your deductible. This can help you make an informed decision about whether to file a claim or pay for the repairs out of pocket.
Homeowners insurance is essential for protecting your home and belongings in case of unexpected events such as fire, theft, or natural disasters. When it comes to your roof, it’s important to understand your policy to ensure that you are adequately covered in case of damage or replacement.
Understanding Your Coverage
If your roof sustains damage, your homeowners insurance may help cover the cost of repairs. Here’s what you need to know:
Covered Perils: Homeowners insurance typically covers damage caused by weather-related events like hail, wind, and rain. However, it’s important to review your policy to know the specific perils it covers.
Deductible: Like with other insurance policies, you will have to pay a deductible before your insurance coverage kicks in. Be sure to know your deductible amount and what you will be responsible for paying out of pocket.
Coverage Limits: Your insurance policy will have coverage limits for the roof repair or replacement. You should review your policy to see the limits and ensure they are sufficient for your needs.
Get an Estimate
Your insurance company will likely send an adjuster to assess the damage, but it’s also a good idea to get an estimate from a reputable contractor first. This will give you an idea of the costs involved in repairing the damage and can help you negotiate with the insurance company.
The adjuster will look at things like the extent of the damage, the age and condition of the roof, and the cost of the repairs.
If there is significant damage to your roof, you may need to make temporary repairs to prevent further damage. Be sure to keep all receipts and invoices for any repairs you make, as your insurance company may reimburse you for these costs.
Choose a Contractor
Once you have an estimate and have received approval from your insurance company, you can choose a contractor to make the repairs. Make sure to choose a reputable contractor who is licensed, insured, and experienced in repairing roof damage.
Tips to Find a Qualified Contractor
Look for Reviews and Recommendations: Ask friends and family for recommendations, and look for online reviews and ratings.
Check for Licensing and Insurance: Ensure that the contractor is licensed and insured in your state.
Get Multiple Quotes: Obtain at least three quotes from different contractors to compare pricing.
Get a Written Contract: Once you have selected a contractor, make sure to get a written contract that outlines the work to be done, the timeline, and the cost.
Follow Up with Your Insurance Company
Throughout the repair process, be sure to keep your insurance company updated on the progress. They may send an adjuster to inspect the repairs before issuing a final payment.
Types of Roof Damage Typically Covered by Insurance
Homeowners insurance typically covers certain types of roof damage that are considered accidental and unexpected. Here are some examples of the types of roof damage that are often covered by homeowner’s insurance:
Storm and Weather Damage: Damage to your roof caused by storms, such as high winds, hail, or heavy rain, is often covered by homeowners insurance.
Fire Damage: If your roof is damaged due to a fire, your homeowner insurance will likely cover the cost of repairs or complete roof replacement.
Vandalism and Theft: If someone intentionally damages your roof, or if your roof is stolen, your homeowner insurance may provide coverage.
Falling Objects: If a tree limb, satellite dish, or other object falls on your roof and causes damage, it is typically covered by homeowners insurance.
Homeowner insurance may not cover normal wear and tear or damage caused by a lack of maintenance, so it’s important to take good care of your roof and maintain it properly to prevent damage.
What to Expect When Speaking With Your Insurance Company
When you call your insurance company to report roof damage, they will likely ask you several questions to assess the extent of the damage and determine the appropriate next steps.
Here are some things that an insurance company may tell you when you report roof damage:
Ask for a Description of the Damage: The insurance company will ask you to describe the damage, including the type and extent of the damage, and when it occurred. They may ask for photos or other documentation to help assess the damage.
Determine Whether the Damage is Covered: The insurance company will review your policy to determine whether the damage is covered. If the damage is caused by a covered peril, such as a storm or fire, your policy will likely provide coverage. If the damage is caused by normal wear and tear or lack of maintenance, it may not be covered.
Explain the Claims Process: The insurance company will explain the claims process, including what information you will need to provide, how long the process will take, and what to expect throughout the process.
Advise You on Temporary Repairs: If your roof has sustained significant damage, the insurance company may advise you to make temporary repairs to prevent further damage. They may also provide guidance on what types of repairs are covered by your policy.
Provide Information on Approved Contractors: The insurance company may provide a list of approved contractors or recommend a contractor for repairs. However, it’s important to note that you are not required to use an approved contractor, and you have the right to choose your own contractor.
Explain the Deductible: The insurance company will explain the amount of your deductible and what you will need to pay for your roof out of pocket before your insurance coverage kicks in.
Provide a Claim Number: The insurance company will provide you with a claim number that you will need to reference throughout the claims process.
Reduce Stress With SlopePro
One easy way to reduce stress during this process is to work with a trusted roofing contractor. At SlopePro, we handle the repair process from start to finish, providing expert advice, quality workmanship, and peace of mind. With the help of a reputable contractor, you can focus on getting back to normal after the damage has been repaired.
For more information about SlopePro’s expertise, or to get a thorough roof assessment, contact us today!