When Can Roof Repairs Be Claimed On Homeowners’ Insurance?
A leaky roof can cause significant problems for your home if it isn’t repaired promptly. Since these repairs can be costly, it’s essential to know whether or not you can expect some help from your homeowners’ insurance company. Can you claim roof repairs on insurance?
When Roof Leaks Are Covered
Homeowners’ insurance companies typically cover damage from roof leaks which occurred due to a storm or other peril, such as a fire. In general, these covered perils cause roof leaks to happen unexpectedly. For example, you might develop a roof leak due to a severe hail storm or a house fire.
When Roof Leaks Are Not Covered
Homeowners’ insurance companies do not usually cover roof leak repairs due to wear and tear or neglect. If you have an older roof which has developed a leak from deterioration, your insurance company probably won’t cover it. It’s always best to check with your insurance company to see if you can claim your roof leak.
How to Handle the Insurance Claim Process
If you have a roof leak caused by a covered peril, you should contact your insurance company to start the claims process. Hiring a roofer to inspect your roof is the next step; you need to provide your insurance company with an estimate for the cost of repairs. A roofer can also determine the extent of the damage and what is needed to fix the leak. Remember, you’ll need to provide your insurance company with proof, such as photos of the roof damage.
Finding the Right Roofer
Working with the right roofer can help make the claims process and your roof repairs go much more smoothly. With a reliable roofer, you won’t have to worry about having a roof leak fixed poorly. Look for a local roofer who has a good reputation for doing high-quality repairs. Your roofer should be able to provide you with a prompt inspection and estimate, so your claims process won’t be delayed.
If you have a roof leak, contact Stevens Roofing as soon as possible. Our roofers can provide you with an estimate on roof repairs, so you can get the claim process started quickly. You can then count on our experienced roofers to fix your roof leak right away.