Although you’re paying for home insurance to protect your roof against storm damage, applying for a claim does not automatically result in an insurance payout. It’s important to understand your policy and its coverage.
Here are some scenarios that lead to challenges in receiving adequate reimbursement for storm damage restoration:
Insurers Snub Old Roofs
Many insurance companies don’t renew existing policies, let alone write new ones, for homes with roofs more than 20 years old. If you have one with coverage, your insurer might only cover its actual cash value, not the cost of the roof replacement it requires. Depending on your coverage, an insurance company could say that a storm-damaged, over-20-year-old roof is most likely nursing pre-existing problems, which should already be your responsibility.
This could lead to paying for the re-roofing of your home out of your own pocket.
Some Policies Don’t Cover All Types of Storm Damage
Be wary as your home insurance might not cover specific storm-inflicted problems, like hail damage. Different policies have different levels of coverage which can limit liability. The most common type of coverage is for fire, and some policies may not protect against wind, rain, or hail damage altogether.
Claims Process is Document Intensive
When your policy contains coverage for the storm damage you plan to claim, failure to document the damage in detail might lead to denial. Apart from age, some insurers require proof that your roof could have lasted for a certain period prior to the storm. For an average homeowner, the process can be confusing and overwhelming.
A Quality Roofer is Your Advocate
Working with a professional roofer is important because established roofing companies understand the insurance claim process, have relationships with major insurers and can be your advocate in the claims-filing process. An established roofing contractor with a wealth of experience in filing insurance claims, like Affordable Roofing Systems, is the key to fight for your best interest.
Whether you need roof emergency roof repairs or a complete replacement, we know what it takes to get your insurance claim approved. We’ll perform a thorough inspection, conduct detailed documentation, and provide a reliable estimate you can use to make a strong case for your claim.
Let Affordable Roofing Systems help you navigate through the tricky insurance claims process and restore your roof’s beauty and structural integrity in no time. Call us today (813) 400-2515 to talk about your needs in Tampa, Largo, or Brandon, FL.