The storm has passed, but now you notice that your roof has damage. You need to file a claim with your homeowner’s insurance. This can seem confusing as you read through the instructions. Don’t let that stop you. The type of damage covered will depend on the terms of your policy. Here are several tips to help you submit your claim.
What Damages are Covered?
The reason your roof was damaged is key to having it covered by insurance. Factors such as wind, fire, or hail are typical causes for filing an insurance claim. These are usually covered under the dwelling portion of your homeowner policy. Be sure to carefully read the details before you file a claim.
Partial Roof Damage
A reputable roofing contractor may inform you that a total roof replacement is the best option. This is the case for significant hail damage, even though you only see evidence in a few areas. The reason for this is the lifespan of your roof may be shortened by the damages. An insurance adjuster will examine how many hail strikes or wind damage is visible to determine if this is necessary.
- Actual Cash Value Coverage (ACV)- An older roof may be covered under a policy that accounts for the age of the roof and materials used during construction. You may be responsible for a significant portion of replacing the entire roof if you have this type of coverage.
- Replacement Value Coverage (RCV)- You may have a policy covering a total replacement if your roof is newer and in good condition. Discuss this with your certified roofer before any work begins to ensure you don’t get stuck with a repair cost much higher than you expected before starting the project.
Additional Facts affecting insurance
Insurance companies consider the proper maintenance of a roof to be the homeowner’s responsibility. Replacing your roof when the expected lifespan is over or wear and tear will not be covered under insurance. The steps to filing a claim are:
- Carefully read your policy
- Inspect the Damage
- Get an estimate
- Act Quickly
The most important part of the process is to work with a reputable roofing company. A contractor with experience in your area will be able to help you through the process. Please consider contacting Westfall Roofing. We have been proudly serving clients in the Tampa Bay, Sarasota, and surrounding areas since 1989. Let’s get started repairing your roof today!