When it comes to protecting your home from storm damage, a roofing contractor can be an invaluable asset. They can help you identify evidence of damage and advocate for you if you think you have a valid claim. There are several ways that the right roofing contractor can assist in maximizing your insurance claim and even collecting your money faster. Hail damage roof insurance is generally included as part of the home coverage of a home insurance policy, but some states allow insurance companies to partially or completely exclude hail damage from standard home insurance.
Homeowners insurance can cover the cost after certain types of roof damage, but it is not always guaranteed. Insurance companies may deny claims for roof damage if they suspect that the source of the damage is due to normal wear and tear or some other exception to the home insurance policy. Having a roofing contractor inspect storm damage and take pictures as evidence may make your insurance company less inclined to reduce your final settlement amount. Some states allow home insurance companies to apply a special deductible for wind and hail damage caused by hurricanes. Home insurance companies may also have different levels of coverage for wind and hail damage and roof damage from other causes. As your home's last line of defense against storm damage, roofs tend to suffer shocks and, over time, need to be replaced.
If the materials to repair the roof aren't available, your insurance company may need to replace the entire roof. If the roof is too old to cover replacement costs, you may only be able to purchase coverage with “real cash value” to cover wind and hail damage. For homeowners who are asked to call a roofer, this gives the impression that a roofing contractor plays a role in the approval process. However, it is important to remember that the insurance adjuster ultimately has the final word regarding your claim. Minimizing the actual costs of roof repair helps you to efficiently use the total amount of the claim. To successfully file a roof damage claim in five steps, consider asking your contractor to help you with the inspection.
When it comes to craftsmanship you can trust, there's no doubt that choosing an experienced local roofer is a must. Get Forbes Advisor's ratings of the best insurance companies and useful information on how to find the best travel, car, home, health, life, pet and small business coverage that fits your needs.