The roof of your home has the most direct exposure to the elements. Different roofing materials have different life spans. It is your responsibility as the property owner to properly care for and maintain your roof or to hire a roofing company to do so. While the damage caused by a leaking roof is generally covered under most all-perils policies, the roof repair itself is usually not. If it is, then the age of the roof will be taken into consideration when determining reimbursement as roofs over the age of 10 tend to have a depreciated value.
Insurance Will Cover Roofing Company Costs
The top two things that you should do so that you know that the roofing company you hire to fix your roof will be paid by your homeowner’s insurance is to read and understand what is covered in your policy. While some policies only cover the damage and not the repair, others take the age of the roof into consideration or will only cover “Acts of God.” It is best to know upfront what you are responsible for and what insurance will pay the roofing company. If your roof is not properly maintained and the damage is believed to be due to neglect, then your insurance may not pay any of your claims and you will be forced to pay the roofing company out of your own pocket.
Another thing that you should do is to make sure that your roofing company comes out at least twice a year to inspect your roof and to ensure that it is up to code, is free of debris and does not hold or collect water. Any trees touching or hanging over the roof should be trimmed back as these steps can make is so that you are looking at roof repair and not total roof replacement.
Tips to Get Your Insurance to Pay Your Roofing Company
The best thing you can do to ensure that your homeowner’s insurance covers what the roofing company needs to do is to choose a roofing company that has insurance expertise. This will enable them to either provide insurance claim assistance or they may have insurance adjusters on staff that can help you with every detail of your roof damage claim. Also be sure that you call your insurance company in a timely manner so that your roofing company can come out quickly to fix the problems you are having as time is of the essence and the longer you wait, the worse the problem can become. The longer you wait, the less likely it is that your insurance company will cover the claim. If you’re in the El Paso area, JC Roofing and Remodeling is ready to help!