Depending on what caused the roof damage, your homeowner’s insurance policy can cover the cost of the roof repairs. Getting quality insurance coverage may come in handy in protecting your home from unforeseen damages caused by storms and other natural calamities. Here are a few things to keep in mind when you need storm damage to your roof repaired.
Coverage For Roof Leaks
Typically, your homeowner’s insurance is designed to cover any damages caused by covered natural perils. These can include:
- Wind
- Falling trees
- Flying debris
- Hail
- Fire
Your homeowner’s insurance policy will cover roof leaks if they were caused by a covered liability. However, there could be exclusions listed. Be sure you know what is excluded by your insurance, and what you can add to your policy.
You need to read the details of your homeowners’ insurance carefully to get a better understanding of your coverage and deductible limits. If the repair is less than or close to the amount of your deductible, it may be best to not file a claim. Consult with your insurance agent to adjust the limits to suit your specific needs.
Remember: your policy doesn’t cover damages resulting from wear and tear or lack of proper maintenance. A roof leak resulting from unresolved maintenance issues won’t be covered. Therefore, it’s crucial to conduct roof inspections on a regular basis.
Steps For Getting Your Roof Repair Covered
Since a damaged roof affects your day-to-day living and is costly to remedy, it’s critical to understand how to get the roof repairs covered on your insurance and ensure your insurance claim is granted. Here are the steps to help you out.
- Roof replacement coverage: If the insurance company concludes a repair will not be adequate to restore your roof’s integrity, it may cover the cost of a new roof.
- Cost estimations: You need to get an estimation of the cost of the roof repairs before you file a claim.
- Age of the roof: This is one of the main factors your insurance company will consider when processing your claim for roof repairs.
- Condition of the roof: You’re likely to get better coverage if your roof is well maintained. If the roof is more than 10 years old, it’s important to ensure it is properly checked at least once per year.
The cost of repairing a leaking or damaged roof can be very high. Working with the right roofer will help you get the work done right the first time. If you have any damaged or leaking roof in Salt Lake City contact RoofTek® for professional roof repair services. Our roofing specialists have years of experience handling roof repair insurance claims in the community. We will assist you with the necessary documentation for your insurance claim.