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Homeowners Insurance and Roof Replacement

Typical insurance policies will cover the overall damage that is caused to your roof from an accident or an act of nature. Wear and tear on your roofing system and negligence with your roofing repairs may not be covered under your insurance. In order to make sure that your insurance claim will not be denied, you need to make sure that you’re keeping all records of repairs, before-and-after photos from repairs as well as any reports you have received in roofing inspection. If damage does occur on your roof you need to notify your insurance company immediately.

How Your Coverage Works

Understanding your homeowners insurance and what it covers on your roof may mean reviewing your policy with your insurance company. Wildfires, hailstorms, hurricanes and other disasters can cause a massive amount of damage to your roof. Homeowners insurance will cover these damages but only if your roof was considered to be in good condition before the damage occurred.

The Claim Process

After your roof has been damaged, you need to contact a roofing contractor as well as your insurance company. The contractor will come out to your home and determine the level of repair or replacement that is required to bring your roof back up to code. Ideally, your insurance company and the contractor will arrive at the same time so that they can meet together and compare their estimates. On approval of the claim for the replacement process will occur as long as you have met the conditions of your insurance policy. Make sure that you are keeping a record of the repairs conducted under insurance and any certificate of warranty from your contractor.

Be sure to review your insurance policy often to understand the elements of roofing repairs that you will be able to claim. Certain insurance policies may not cover the replacement cost on your roof or occurrences such as hail damage and more.

If you need assistance with insurance and roof replacement, contact us today!

This post was written by Ted Williams! Ted is the owner of A Old Time Roofing, one of the best roofing companies in Saint Petersburg, FL! Ted is a Master Elite Weather Stopper GAF Roofing Contractor, a double award winner of Best Steep-Slope Contractor from GAF and achiever of Master Elite Consumer Protection Excellence from GAF. He has been serving the Pinellas County area since 1978. A Old Time Roofing has been a tradition in quality workmanship, servicing residential and commercial properties.

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