Your roof is the first thing to be attacked by elements. Wind seems to be the major enemy of your roof, but not the only one. Other adversaries include electrical fires, falling limbs, moisture intrusions, and damage done by pests like squirrels.
Sadly, if you need your cover repaired, be prepared it will cost you a pretty penny. And by pretty we mean an overall amount of $8,000 to $45,000 for some types of roofing, as HomeAdvisor suggests. The total differs based on the cover measurements and your area. The welcome news is that home insurance can save you some bills provided you’ve suffered from a specific kind of damage.
What Kind of Damage is Covered by Insurers
Wind and hail damage
Unsurprisingly, almost half of all insurance claims feature wind or hail damage to the house external. Logically, insurers try to minimize their risks by providing various coverage plans for your cover.
In the past years, insurers have been bombarded with pricey roof claims. To cut down on their costs, most home insurers have introduced various coverage plans for your roof. This ushered in a new coverage plan that is geared towards roof damage done by natural elements or damage caused by different consequences.
When reading up on the subject, you might come across the following facts:
Wind damage means a heavy movement of air like wind gusts, tornadoes, blizzards, etc. whereas hail means frozen ice balls falling from the sky regardless of their size.
When violent winds lead to debris crushing your home, hail damage may go unnoticed, but all it takes is a few minutes of grapefruit ball–sized hail to “bruise” your roof.
Insurers impose time limits in which claims can be filed. This period can range from one year to six months, the period is usually linked to the plan.
Partial damage insurance
Sometimes, the service life is lessened as a result of damage. You fit for full cover insurance even if the top is partially wrecked. For instance, if a savage rainstorm chips a bundle of your roof’s shingles, a roofer will count the number of bunches and decide whether the cover service life is affected. If there are lots of parts missing, the length of service is significantly influenced and it requires replacement.
If the materials to address your roof destruction are impossible to buy, your provider may have to offer the complete replacement. For instance, if you have rubber slates that are not available anymore, you may file a claim for having your cover repaired to guarantee your materials match.
How To Get Started With a Replacement Claim
Call a roofer
First of all, you’d need an expert to evaluate your cover damage and obtain an evaluation. If you still don’t have a reputable contractor on speed dial, a premier roofing solution in Columbus, GA will help with your property instruction and educate on the process.
Find out if you are covered
Before starting on the filing process, you need to realize what you can expect to get covered. You should be ready for questions that would be asked on the source of damage, as some damage types might not be paid off by your insurance claims.
Start the process
If damage exists and it goes beyond your deductible (the costs you can pay before your plan takes effect), set off a claim procedure with your insurance agent. Don’t forget to keep your roofer in the loop about when the insurance agency’s adjuster is to come. Your contractor’s job is to ensure the company is playing it straight and gives you an unbiased assessment.
Get your roof repaired
After you have been given a green light with your claim, your insurance agency will send you two bills including a materials deposit. Once the cover is at your doorstep, your roofer will be set to work. Ensure the job done meets your requirements and your roofer signs a lien waiver, before proceeding with the next payment.
Tips to cut down on new roof costs
The standard price range for replacement services can vary quite a bit. Usually, the price is linked to the cover material used. Thus, an average homeowner spends from $5000 to $1000