Are you Experiencing severe storms, hail, or constant rain? Or maybe it's just bad weather? The first line of defense in your home is your roof. When that roof experiences damage from such a natural disaster, it's never fun, but thankfully, this is where having home insurance comes in handy. As a homeowner, understanding an insurance claim for roof damage from a storm is essential because it makes fixing your roof or paying for a new one less stressful. Home insurance claims can sometimes be exhausting, but understanding your coverage answers questions such as, Does home insurance cover roof? In this text, we shall walk you through everything you need about home insurance and prepare you for the day you might need it by understanding its coverage and claims.
Steps for Filing a Home Insurance Claim
After an accident, be it thunderstorms or a tree damaging the roof, the first thing that comes to mind is: Does home insurance cover roof leaks? Before filing the claim, here are some things you must do as a homeowner.
1. Assess the extent of damage immediately: If you suspect roof damage after a natural disaster, inspect the roof and your entire Home. An inspection helps you, as a homeowner, notice leaks, damage to your shingles, damage to your gutters, or even damage from hailstones to the roof. Carrying out a thorough examination helps you know the scope of the damage before Speaking with your insurance adjuster to start a claim.
2. Get a Reputable Contractor to reassess the damage: After the storm and initial assessments, contact a reputable contractor to inspect your roof to see whether you spot any signs of wear. An experienced eye notices underlying damages that, if left unattended, might lead to further damage. If this is the case, get a written estimate for the roof damages from the contractor and save the receipts so they can serve as evidence for reimbursement from your insurance company later. Please do not wait for the insurance adjuster's assessment alone, as they tend to look for ways to understate the extent of the damage.
3. Understand your Insurance Policy: Before making a claim, it is imperative as a homeowner to understand the terms and conditions of your policy. It would be unwise to battle for coverage you do not have. For example, does getting a new roof lower home insurance, or Is your coverage for replacement cost or actual cash value? Regarding homeowners insurance and roof damage, your policy likely covers damage to your roof as long as a covered peril causes the damage.
4. Document everything: Getting your insurance claim approved is all about evidence; the more documentation you can provide, the easier the process. As a homeowner, before and after the storm or natural disaster pictures help your insurance adjuster with their roof inspection. You can document everything by taking notes, photos, and videos of your property. Such Instances as;
Getting a new property, carrying out renovations and maintenance, or after a major disaster should be accompanied by pictures with a time and date stamp and also from multiple angles. With some Insurance claims, what starts as a seemingly simple claim could escalate into a nightmare. You'll be glad if you kept records from the start, including photos and notes of when you spoke to your adjuster if home insurance roof leak are covered and what they told you.
Factors that Could affect your Roof claim
How often do you file for Insurance claims: Filing for everything serially reduces how seriously your insurance company takes you.
Poor installation: If damages are a result of errors on your contractor's part, the insurance company would most likely deny your claim
How knowledgeable are you and your advisors? Having a reputable contractor who knows what insurance companies require helps expedite your process. Still, the opposite complicates it, and your claim could be denied due to poor documentation.
Negligence: Damages such as leaving your gutters unkempt or poor ventilation caused by poor maintenance on the part of the homeowner can also lead to claims being rejected.
We know how stressful getting your Home in the best possible shape is, and that is why, throughout the years, we've answered so many questions and understand the common issues that will most likely arise upon inspecting your roof. Contact us today at Findlay Roofing for the best analysis and assessment from a reputable contractor.