How do roofing Insurance Repairs Work?
First of all, give our roofing company a call at (706) 221-8322. We’ll give you a free inspection and let you know if you should contact your insurance company. If we believe that you do have a valid claim to file, we’ll assist you contact your insurance company and start a claim. They’ll send out an adjuster to find out if you do have enough damage to validate a successful claim. We’ll even be there when the adjuster arrives to show what we’ve seen.
Is roof repair covered by insurance?
Yes. Most home insurance companies will pay to replace your roof if it’s damaged beyond repair by fire, heavy winds, hail, or other damage that’s covered by your policy.
But if your roof collapses due to general wear and tear or poor maintenance, your insurance company won’t cover repairs because the insurance company regards this as neglect to the property by the owner, and coverage may be limited if your roof is more than 20 years old.
Does homeowners insurance cover roof leaks?
Most roof leaks are covered by homeowners insurance policies. However, whether your homeowners insurance company will reimburse you for the repair of a roof leak and any subsequent damage to your belongings depends on the original cause of the leak.
What to know when buying a policy or filing a claim?
Deductible amounts
A deductible is an amount you must pay before your insurance company pays. Ask your agent if the deductible for wind and hail damage is different from the deductible for other types of damages. If it is, you might pay more out-of-pocket if your roof is damaged in a storm.
Replacement Cost Value (RCV) or Actual Cash Value (ACV)?
Some policies pay up to the full cost to replace your roof at current prices. This is called Replacement Cost Value (RCV) coverage. Some policies pay less if the roof is older or showing wear. This is called Actual Cash Value (ACV) coverage.
When you renew your policy, check to see if there are changes to your roof coverage. As roofs age, some companies will switch to Actual Cash Value. And if your roof is in poor condition, your company might not cover your roof at all. Your insurance company should tell you when they change your coverage.
