Prove Your Roof Is Damaged
Before you can file a roofing claim, take pictures of the damage. Your photos should be of the exterior damage to the roof and any damage you have on the inside of your home. If you can, use a ladder to get the closest photos of the roof damage. Also, consider using a drone camera to get the best views of the roof.
A local roofing company can help you with the photos. They can also give you estimates about repairing or replacing your roof.
Along with taking photos of the roof, document the date and time of the damage. Explain what happened, so your insurance company knows that you arent just trying to replace an old roof. If a damaging storm moved through your neighborhood, find newspaper articles that document the event.
If your roof damage is from a tree, take several photos of the tree from the ground to show where it fell. Show the damage to the tree, as well as to your roof.
How To Get Insurance To Pay For Your Roof Replacement
Many homeowner policies cover roof replacements necessitated by hurricanes, tornadoes, fires and vandalism.However, coverage for wind, rain, ice or hail damage is often prorated, based upon the age of your roof. Falling trees and branches cause much of this wind-related damage.The big, heavy branches of New Jerseys oaks and maples can cause a great deal of damage. In other cases, heavy winds can peel away portions of a roof, potentially exposing the homes framing and interior.
What Kind Of Insurance Does My Home Have For Wind Damage
Your roof is an extremely important part of a home insurance policy. Most policies cover roofs against wind damage. However, the extent of coverage depends on the age of the roof and the type of policy you have. The two main coverage types are Actual Cash Value and Replacement Cash Value.
What kind of insurance do I need for a damaged roof?
For instance, homeowners insurance may help cover the cost of repairs if hail or a fallen tree damages your roof. Here are some things to consider when it comes to homeowners insurance coverage for a damaged roof.
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What Happens To Your Home If Your Roof Is Damaged
The dwelling coverage section of homeowners insurance protects the structure of your home including its rooffrom perils covered in the policy. If your roof is heavily damaged by fire, heavy winds, hail, or a buildup of snow or ice, youll likely be reimbursed for the damage if you file a claim.
Is there a difference between roof damage and wind damage?
Home insurance companies in past years have been walloped by numerous and expensive roof claims. To combat this, many home insurers have implemented different coverage levels for wind and hail damage vs. roof damage from other causes. You might find that:
Three Things To Check About Roof Insurance
Here are the three main questions to ask to understand if your roof insurance is good or not. The first question refers to the perils that are covered, the second refers to how you will be paid and the third refers to how much money you get in a claim:
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How To File A Roof Insurance Claim
From documenting the damages to scheduling repairs with your roofing contractor, weve outlined the steps for filing a roof insurance claim below.
How To Get Your Insurance Company To Pay For A Roof Replacement
Here are a few tips to follow to increase your chances of the insurance company paying for a roof replacement:
- Keep copies of any previous roof inspections that show there was no damage prior to the event that caused the current damage.
- Maintain your roof regularly and keep records of any maintenance work you have done.
- Contact a reputable roofing company and have them inspect the roof and create their own inventory of damages.
- Be prepared to appeal any insurance company decisions and hire a public adjuster if necessary to work on your side.
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Roof Deck And Overhang
Additional factors that can affect a roofâs risk for severe storm damage include the design of the roof deck and overhang. A larger overhang provides greater opportunity for wind to get under the roof and literally lift it off the house during extreme storms.
Proper roof deck attachments can also strengthen a roofâs wind resistance. Newer roofs will of-ten use strong double wraps. However, older roofs are more likely to use toenails or clips, which are less secure and require more repairs and replacements.
The stronger the attachment to the buildingâs rafters, the greater the wind resistance, and the more likely a property is to qualify for wind mitigation credits.
Protect The Home From Further Damage
If a tornado rips through your neighborhood and tears part of your roof off, protect your home from further damage. In fact, preventing further damage when possible is often a requirement in homeowners policies, and further damage may not be covered. You may need to put up a tarp while you alert your insurer.
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The Process To Get Insurance To Pay For Your Roof Can Be Long
Some homeowners have the misconception their roof will be replaced quickly after filing a claim. Unfortunately, this isnt the case.
The truth is, getting insurance to replace your storm-damaged roof is a long process. Below is a list of some of the steps leading up to an insurance roof replacement:
- Youll call your insurance company
- They send out an adjuster for an inspection
- If approved by the adjuster, theyll write up a claim
- Youll find a reputable roof contractor
- Theyll go over the claim and supplement anything missing if needed
- The supplemented claim will be sent back to the insurance company for approval
- If approved, your roof replacement is ready to be scheduled
The steps above arent the exact process and vary based on your insurance company, policy, and even your roofing contractor. This list just demonstrates how much goes on behind the scenes once you file an insurance claim and that each phase of the process takes time.
Knowing this from the beginning helps you understand why its taking so long to get your roof replaced through your insurance company.
Get A Detailed Report From An Independent Roofing Contractor
Ask for a written evaluation from the roofing contractor that addresses the issues listed above The extent and cause of the damage and the condition of the rest of the roof.
The inspection and report will cost up to $500, but it is money well spent if it is instrumental in getting your homeowners insurance claim paid.
If it comes to arbitration or court, it will be the word of an inspector against a roofer. If your roofing contractors report is credible, you will be in good shape.
Dont Settle for an Inferior Roof
This takes a little explaining, but it should be clear in the end.
When an insurer accepts a claim, it offers the homeowner a chunk of money.
It should be enough to replace your roof with materials of the same quality as the original roof including professional installation.
Heres the warning: It is the common practice of some insurance adjusters to offer a settlement that will only pay for inferior replacement materials.
Lets say your home has dimensional shingles, which is the most common type of asphalt shingles. Well, dimensional shingles come in basic, better and best quality.
Take CertainTeed or GAF shingles, for example. Both brands are the largest manufacturers of dimensional asphalt roofing shingles.
Here are three lines of shingles from CertainTeed that serve as an example:
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Preparing for Future Claims
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Get A Roof Damage Inspection & Estimate
Generally, the insurance company will want to see an estimate to either do a roof replacement or roof repair for the damaged areas, so you will want to get estimates from a certified roofing company in order to help build supporting evidence towards your claim.
Wed suggest asking the roofing company if they offer inspections, usually intended either for insurance or when appraising the roof condition for a home sale, in addition to the estimate to have a record of the damage done on your end to submit alongside your claim.
Steps to take after you believe there to be damage to your roof:
As soon as you can, report the problem to your insurance company after reviewing your policy documentation. The insurance company will then send out an inspector, who will determine whether or not your roofs damage was caused by normal aging or if it was caused directly by storms.
It is critical to file for an inspection of your roofs damage as quickly as you can and as quickly as you have your own documentation in order. Doing so sooner rather than later will help validate that your roof was legitimately damaged from storms, and speed up the time itll take to process the paperwork and issue payment so you can have your roof replacement costs covered.
Broken Shingle Or Tile May Equal 1 New Roof Heres How
If youre like many homeowners in Central Florida, you might mistakenly believe that your homeowners insurance will only pay for a new roof if yours gets severely damaged by a covered peril listed in your policy. If youre under this impression, you may not bother filing a claim for minor roof repairs because youre responsible for a deductible. You might be surprised to learn that under certain circumstances, you can be entitled to a new roof even if the extent of the damage is just one broken tile or torn shingle.Here, well explain how you could qualify for a new roof, based on Florida state law and 2017 building code.
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Roof Warranty And Life Expectancy
Its also important to understand a roofs warranty versus its life expectancy. Say your roofing warranty says that your roof is a 30-year roof. What exactly does that mean?
Warranties typically warrant the product for manufacturing defects for a specific amount of time. The warranty doesnt state that the manufacturer guarantees the product will last for that specified time period. The exact coverage period will vary depending on the manufacturer. For example, most architectural shingles carry a 30-year, 50-year or lifetime limited warranty against manufacturing defects, while most 3-tab shingles carry a 20-, 25- or 30-year limited warranty against manufacturing defects.
Certain roofing materials can also extend your roofs lifespan. Using impact resistant roofing can help prevent damage from hail and falling objects more readily than other types of roofing and you can even reduce your premium on your homeowners insurance from American Family Insurance if you install it.
Each warranty has its own specific terms and conditions, so its important to read each warranty carefully.
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How To Get Your Insurance To Get A New Roof For You
To get your insurance to get a new roof for you,
- You must have the damages well documented and contact your insurance company
- Stay clear from insurance scams
- You must know the insurance coverage of your roof
- You must check out for the best roofing contractors and contract those with a license
- You must take a bold step in your roof replacement claims
These are the most basic things that need to be done in order for you to get your insurance company to get a new roof for your home. Without meeting these requirements or having them on the ground, it may be so difficult for you to get a new roof from that insurance company you are with.
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How To Use Your Home Insurance To Cover Roof Repairs
When unexpected damage occurs to your home, youll want to know how to repair it quickly, to a high standard and at an affordable rate. Roofing repairs are no different and it isnt always clear whether your home insurance will cover roofing repairs. This month, lets look at the factors that will contribute to whether you are entitled to have your repairs covered by an insurance claim, and if it will be covered in full or in part.
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What Is Not Typically Covered
Again, each policy is unique, but homeowners insurance usually does not cover damage resulting from neglect or normal wear and tear. Its typically only sudden or accidental damage that is covered, so its important that you be sure of the cause prior to reaching out to your insurance company.
The Roofing Center uses advancedroofing software and does in-depth roofing inspections for this very reason, so contact us today if youd like to know the state of your roof!
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Document The Damage And Contact Your Insurance Company
Once you determine that your roofs damage is covered under your homeowners insurance , the next step is to document the damage. Take plenty of photosnot only of the outside damage, but also of the interior of your home. If you have a tall enough ladder, and feel safe doing so, carefully climb it to take photos, or you can use a drone with a camera, which would be an even safer method. However, if you cant assess all the damage safely, call an experienced roofing company for an inspectionyoure better off safe than sorry.
Note the date of the damage, as well. If your roof was damaged by a storm, such as a tornado or hurricane, find articles online matching the date of these damaging events to back up your claim.
After that, check your insurance companys website for information about how to submit a claim. Many policies require the homeowner to file their claim within a certain time frame after the event. Youll want to know the protocol for your insurance company, as your claim may be denied if you wait too long.
Is A Metal Roof Worth It In Florida
Metal roofs last longer than any other roofing material commonly used in Florida homes today. In a humid climate prone to hurricanes, you want a roof that is built to last a lifetime. Other roofing materials, like shingles, will only last for about 15 years if all goes well. Often shingles only last for twelve years.
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Will Homeowners Insurance Replace My Roof If Its Damaged By Wind Or Hail
Wind and hail are two of the most common culprits of roof damage, and most of the time these hazards are covered by a standard homeowners insurance policy. But some states that experience frequent wind and hailstorms Ã¢ like Kansas and Oklahoma Ã¢ will have to pay separate wind and hail deductibles.
If your roof is blown off in a bad storm and you have a wind deductible, for example, youÃ¢ll need to pay that instead of your regular deductible. Typically you are given the option to set your deductible at 1% to 10% of your homeÃ¢s dwelling coverage limit. That means if your home is insured for $300,000 and your wind and hail deductible is 1%, youÃ¢d have to pay $3,000 out of pocket before your insurer will cover the remainder of the roof and/or structural damage.
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Find A Reputable Roofing Contractor
If you didnt do this as part of the step above, now is the time.
Your best ally in a fight over roof repair will be a licensed roofing contractor, not an attorney. Make sure they have:
- A stellar reputation
- Experience dealing with insurance claims
A good roofer will help with the next few steps before repairing the roof.
Prevent Further Damage!
Most homeowners policies require you to cover the damaged roof immediately.
Did you know?Claims for secondary damage are usually denied when the necessary steps have not been taken to protect the roof.
Heres a common and unfortunate scenario:
Storm 1 blows a bunch of shingles off a roof.
Storm 2, a week later, brings wind-driven rain that gets into the unprotected home and destroys everything it touches ceilings, walls, flooring, electronics and more. This is why many homes must be gutted or demolished after hurricanes.
Bad storms damage hundreds or thousands of homes in their path. This makes it impossible for roofers to make quick repairs.
Instead, your roofing company will get the damaged areas tarped and secured to protect your home and your wallet. Once this is done, the roof should be OK until repairs can be made.
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