Always Work With A Reputable Roofer
Before you submit your roof insurance claim, call a reputable roofing contractor to carry out a roofing inspection. They have the expertise to document the damage and compile a comprehensive report for your insurance company.
More often, your insurance company will send over an insurance adjuster to assess the damage and determine the cost of repairs. Its always advisable to have your roofer on site when the insurance adjuster arrives to ensure both estimates are in tandem. Most insurance companies will approve claims and issue checks the same day for minor repairs, but larger repairs could take longer. Once your claim is approved, your roofer can begin working on the roof as your insurance company processes the check.
At Bill West Roofing, we have several years of experience repairing and replacing roofs through roof insurance claims. By working with us, youll have a strong contractor who offers the best service available. After repairing or replacing your roof, we recommend you get it inspected regularly to keep it at top-notch conditions and prolong its lifespan. Moreover, a roof inspection will make future roofing claims easier since youll have photos noting the condition of your roof and written reports of maintenance. Contact us today for all your roofing related needs in Florida and the South Jersey area.
How To Keep Your Roof Safe
Its your responsibility as a homeowner to keep your roof safe from potential threats, such as tree branches, broken singles and normal wear and tear that comes with age. As soon as you move into a new home, you should start making roof inspections part of your yearly home maintenance schedule.
The National Roofing Contractors Association recommends that homeowners inspect their roofs twice per year, ideally in the spring and fall. You should also inspect your roof after every major weather event, such as a windstorm, hailstorm or heavy snowstorm.
Unless you have the safety equipment to inspect a roof on your own, you should hire a roofing professional to inspect it for you. The inspector can look for signs of damage or abnormalities and clear debris from your roof and gutters that can lead to potential problems. If you can easily access your gutters, keep them clear between inspections.
Rain Damage That Happens Over Time
Water damage from rain that develops over time is neither sudden or accidental, so it wouldnÃ¢tbe covered.
When rainwater in your home is left unaddressed for weeks or months, the damage has a chance to get worse and new problems can develop. If rain slowly drips in through a leaky skylight and you try to file a claim for damage that developed over weeks or months, your insurer will likely hold you responsible for the damage.
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Does My Home Insurance Cover Roof Damage Caused By A Hurricane
Home insurance for hurricane-related damage can be a bit tricky. Home insurance generally covers wind damage to roofs, but some insurers exclude certain types of hurricane-related damage. For example, some insurers in Atlantic coastal states will exclude wind-related damage, meaning roof damage wont be covered by a standard home insurance policy.
You might need windstorm insurance as an endorsement to your home insurance policy or as a standalone policy. If you live in an area thats prone to hurricanes, talk with an agent to make sure there are no gaps in your coverage. A good hurricane insurance plan is typically a mix of homeowners insurance, flood insurance and wind insurance .
How Long Does A Roof Last
A roof typically lasts at least 25 years, but the actual lifespan depends on many factors, such as the type of roof, the areas climate, the amount of ventilation, the size of the roof and the pitch of the roof.
Asphalt roofs have the shortest lifespan, whereas metal and clay roofs tend to have the longest lasting.
Knowing the importance insurers put on roofs, scammers have targeted homeowners. Heres what to do to avoid roof repair scams.
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Does Home Insurance Cover Roof Repairs
Its that time of year again when rainy days are a bit of a given. If you have a poorly maintained roof, chances are youll know about it soon.
A damaged roof can lead to a whole host of problems, from stained walls to costly structural and foundation faults.
Does house insurance cover roof leaks? Ultimately, it depends on your insurance policy and what caused it in the first place. Most Buildings and Contents policies will cover both the structure of the roof and any damaged belongings if the leak resulted from an unpreventable event, such as a storm. However, you wont be covered if its due to a lack of maintenance on your behalf.
You’ll need to make sure youre informed and dont invalidate your cover, heres a rundown.
Does Homeowners Insurance Cover Rental Properties
Insurance companies have policies that protect the landowner and renter in case of accidents. If you live in a rental, contact your landlord immediately if you suspect any damage. While a renter does not have to claim insurance for the leaky roof, insurance companies offer a renters insurance policy that allows you to protect your belongings in case of accidents.
For landlord insurance, the process is to analyze and document any damage before calling up your insurance company. You should leave things as is while the insurance adjuster comes to inspect the damage and processes the claim.
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Coinsurance And Roof Leaks
Coinsurance is another concern with roof leak claims. A home that is insured for less than the full cost of rebuilding the home maybe subject to coinsurance, which means that claims will be paid as a percentage of insurance to value.
If your home cost $200,000 to rebuild but you have it insured for $100,000, the insurance the value is 50% and covered claims for your home will be paid at 50% less the deductible.
Should You File A Claim For A Roof Leak
Whether you should file a homeowners insurance claim for a roof leak depends on the significance of the leak, the size of your deductible and whether you’ve filed any other claims in the past few years.
Additionally, filing a claim may incur a premium increase when you renew your policy, as insurers will view your home as riskier to cover. So, unless your repair costs are significantly higher than your deductible, it might cost less over the long term to pay for it yourself.
Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
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General Wear And Tear
Like everything, roofs deteriorate over time. You might have to pay to repair these when you see signs of general wear and tear, like loose shingles or visible flashings.
Even if the damage is caused by storms blowing through your area, causing your roof to become leaky over time, insurance may still claim it is general wear and tear damage that was bound to happen.
Of course, this is dependent on how severe the damage is. If a storm damages 20-30% of your roof, you may have a case for an insurance claim. Or if you have 7-10 hail-damage hits in 100 square feet, that may be another instance where they will cover storm damage.
It is essential to check with your roof inspector and insurance adjuster on what is and is not covered when it comes to general wear on your roof.
Want To Learn The Homeowners Insurance Claim Process
Now you know your homeowners insurance will cover your storm damaged roof and 3 things you need to know about replacing your roof with insurance. Remember, an improperly installed roof wont be covered.
You also need to hire a roofing contractor that has experience doing insurance work when you get your roof replacement. And dont forget to show them your paperwork.
After reading this, you know your homeowners insurance covers your roof, but what about the actual claim process? It can be overwhelming if youve never been through it before.
Luckily, weve thought about this. To prevent you from being overwhelmed, we broke down the process and everything you need to know.
The team at Bill Ragan Roofing has been working with homeowners like you deal with insurance claims since 1990. We effectively deal with insurance companies to ensure our customers have a positive experience, even during a stressful time in their life. We work for you, not the insurance company.
To help you prepare for the claim process, check out this article on Homeowners insurance: the process to replace a storm damaged roof.
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How Does Roof Insurance Work
Roofs can be considered the frontline of defense when it comes to keeping your home and its contents safe. This is because they are built to withstand the elements, including sun, wind, freezing temperatures, hail, rain and more. However, a roof no matter how well it is built weakens over time, making it more vulnerable to damage.
Repairing or replacing a roof can be costly. Insurance carriers will pay for the damage if it occurs due to a covered peril. To reduce the risk of taking on a significant damage claim, however, insurance companies may be hesitant to fully cover an older roof and may even require an inspection to confirm it is capable of withstanding the elements.
An insurance company could decline coverage if the roof is older or lacks maintenance. Instead, the carrier may decide to provide actual cash value insurance, which only pays for a portion of a claim based on the roofs age and condition. The Texas Department of Insurance explains how actual cash value for a roof that will cost $10,000 to replace works:
Does Home Insurance Cover Roof Leaks And Replacement
Homeowners insurance policies often cover roof leaks and other roof damage if the damage is from a sudden event or act of nature. This type of insurance helps cover the costs of home repairs or replacing parts of your home.
However, there are certain types of roof damage that home insurance providers may not cover. Before filing a roof damage insurance claim, it’s best to determine whether your homeowners insurance covers roof leaks.
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Some Dog Breeds Arent Covered By Homeowners Insurance
Certain dog breeds are also sometimes not covered under your homeowners liability insurance. While the list varies by insurance carrier, breeds that are large or thought to be aggressivelike pit bulls, rottweilers and German shepherdsmay not be covered under your policy. Depending on your carrier, this can simply mean the policy wont cover injuries or damage your dog causesor it could deny coverage altogether.
If this is the case, shop around for different insurers, as different companies may allow different breeds. For example, State Farm does not consider a dogs breed when choosing whether to insure it. You can also purchase separate dog-specific liability insurance, if you wish.
Does Homeowners Insurance Cover Damage To Your Roof
If something happens to your home, you can have it repaired or rebuilt under dwelling coverage. Your dwelling consists of your home and any other structures on the property, like a garage or shed. Damage to your roof would fall under dwelling coverage.
Damage to your roof will be covered if its the result of a covered event, which is referred to as an insurance peril.
A peril is an event that may damage your home or belongings, like theft, fire, or a storm. The type of peril coverage you have depends on the type of homeowners insurance you purchased. Common insurance perils include fire, lightning, theft, ice, snow, sleet, smoke, vandalism, and freezing.
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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.
Should I Call My Insurance Company If My Roof Is Leaking
Most home insurance policies cover roof leaks if it’s caused by a covered, or named, peril. Leaks caused by wear and tear, neglect, mold or pests are typically not ever covered by insurance. Small leaks might not warrant a claim, but significant damage should be reported to your insurance company as soon as possible.
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When Home Insurance Doesnt Cover Roof Leaks
Theres no guarantee that your homeowners insurance provider will cover roof repairs due to a roof leak.
Here are a few scenarios when homeowners insurance typically doesnt cover roof leak damage:
- Material deterioration due to old age
- Neglected maintenance
- Damage from earthquakes, floods, or any other excluded peril
- Construction or contractor errors
What Are Typical Hurricane Insurance Deductibles
Youll also want to consider hurricane deductibles when deciding on a homeowners policy. Many comprehensive homeowners policies now have a hurricane deducible built into the contract, some as high as 5% of the value of the insured home.
Remember, your deductible is the amount you pay out-of-pocket before your insurance pays its share of a claim. In Florida, insurers will apply your hurricane deductible on an annual basis. This means if you had to submit multiple claims due to numerous storms, youd only have to meet the hurricane insurance deductible once per calendar year.
Once you reach the hurricane insurance deductible, the insurer can only apply your standard homeowners insurance deductible, which is typically a flat amount. Deductibles vary from company to company and state to state, so everyone needs to read their policy or speak to an agent or company representative to find out exactly what the hurricane deductible is and when it applies, Salvatore says.
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What To Do If Your Roof Is Leaking
If your roof is leaking, this is where a homeowners insurance policy with dwelling coverage comes in handy. Your roof may need to be repaired or entirely replaced, so home insurance can help offset the hefty costs that come with roof damage.
Before repairs, however, steps must be taken as soon as you discover a leak.
- Find the source. Once you notice that your roof is leaking, like from water damage or a dripping ceiling, start looking for the source of the leak in your attic or crawl space underneath your roof. If you dont have access to either of these locations, try scoping out the damage from outside your home. To prevent further damage, ask a roofer or contractor to climb onto the roof to investigate if the leak still cant be found.
- Capture water damage. Documenting the extent of the damage to your home is a necessary precursor to filing a homeowners insurance claim. If you can locate the source of the leak, make sure to take a picture of it and the roof damage.
- Do damage control. For a temporary solution until repairs are made, use buckets to catch water from leaky ceilings and move items out of the way to prevent further damage. Using fans to dry the area as much as possible can also help prevent mold. If the damage has created standing water, its a good idea to use a wet vacuum or mop up the water.
Hire A Roofing Contractor That Handles Insurance Claims
As soon as your insurance claim is approved, youre ready to start the replacement process.
If youre replacing your roof through homeowners insurance, its crucial to hire a roofing contractor that has experience handling insurance claims. Theyll know the insurance claim process, how to read your claim correctly, fight to make sure everything is correct, and how to do the work in compliance with your insurance company.
Hiring someone that has experience working with insurance claims is just one thing you need to look for in a roofing contractor. To help you find a great roofer for your replacement, check out this article on the top 8 questions to ask a roofing contractor.
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Tips To Save On New Roof Costs
The average price range for a roof replacement can run from $1.50 to $4.50+ per square foot depending on the roofing material used. Sometimes roofing estimates will quote by the “square,” which is used to describe a 10’x10′ area, or 100 square feet . Someone might be able to help you out for less for asphalt shingle repair. Expect to pay a bit more for tile and metal roofs. Here are some tips on how to minimize your repair and replacement costs:
CorrectionA previous version of this article incorrectly stated the average price per square foot as price per square .