Rich F. / Category

Many homeowner policies cover roof replacements necessitated by hurricanes, tornadoes, fires and vandalism.

However, coverage for wind, rain, ice or hail damage is often prorated, based upon the age of your roof. Falling trees and branches cause much of this wind-related damage.The big, heavy branches of Virginigia, Washington DC, Maryland can cause a great deal of damage. In other cases, heavy winds can peel away portions of a roof, potentially exposing the home’s framing and interior.

o get your insurer to pay for a home roof replacement, take the following steps:

• Work with a certified roof inspector to quickly identify all storm damage.
• Take pictures and document details.
• Carefully review your policy. Ask your agent questions to clarify.
• Promptly file your claim.
• Keep all your receipts.
• Identify a reputable local roofing contractor with significant experience working with insurance companies. Their roof inspector should come out to your home to determine the significance of the damage.

Keep in mind that claims must be filed in a timely manner. Adhering to a certain period of time after the damage occurred is often required. In this case, documentation is key.

Note the time and date of the storm. Documentation often includes photographs and information compiled by a certified roof inspector.

It is also important to detail any damage below the roof, including the home’s framing and interior. Carefully review the part of your homeowner’s policy that pertains to your roof.

It is not always easy to understand all the fine print, so don’t hesitate to contact your insurance agent for assistance in determining how your coverage will or will not apply. When particularly bad weather events happen, insurers typically handle claims on a first-come, first-served basis.

Keep track of the claim number you are given, as well as names, phone numbers and times. Note conversation details, results of personal encounters with your agent or insurance company officials and any missed appointments.

When insurance pays for your roof replacement, you may also qualify for reimbursement for the cost of temporary emergency repairs, like stabilizing the roof structure and placing tarps to keep rain out of your home. If you have to temporarily leave your home, the cost of lodging and other living expenses may be covered. In this case, it’s important to keep all of your receipts.

Tags :

Homeowner, Shingle Roof, Damage, fix, repair

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