When it comes to roofing, it’s important to be aware of the various insurance coverage options available. Roofs are susceptible to storm damage, and homeowners should be prepared to tackle any unforeseen circumstances.
Will home insurance cover a new roof?
Wind and hail are two of the most common causes of roof damage. These forces can cause shingles to come loose and leave your home vulnerable to the elements. The average lifespan of a roof is about twenty to thirty years. This is a good reason to regularly inspect your roof for wear and tear.
It’s also a good idea to check your roof damage covered by insurance for leaks. They’re a common occurrence, and may not be covered by your policy. A roofing contractor can give you a good estimate for repairing your roof.
Insurance companies may not cover roof repairs due to the age of your roof. Some insurers will only pay the actual cash value of your roof.
Luckily, homeowners can work with their insurance company to ensure that they get the compensation they deserve. If you are not already familiar with your insurance policy, a good source of information is your local insurance agent.
Depending on your state, your insurance company may charge extra for roof damage caused by wind and hail. In the event of a large storm, you can expect to be able to file a claim to have your roof replaced.
Your insurance provider will also have the ability to inform you of the most efficient ways to file a claim. Most companies will require you to fill out a form and provide proof of roof damage. Once this is complete, they will send a claims adjuster to evaluate your claim and determine the estimated payout.