Replacing a roof can be a costly affair depending on the size of the roof, your location, and the type of roofing materials you want to use. Luckily, home insurance can cover this cost depending on the kind of damage. The insurance payment you receive will depend on the policy terms and why your roof needs to be replaced.
In most cases, an insurance policy will cover damages resulting from accidents and certain natural disasters such as wind, hailstorm, and snow. However, there are specific requirements you must fulfill before your insurer accepts to cover your roof replacement cost. In this article, we discuss the information you need to give your insurance company for roof replacement.
Understand Your Homeowner’s Insurance Policy
The first step in filing a roof replacement claim is to understand your homeowner’s insurance policy. How are you going to raise a claim if you don’t know what your policy covers? Ask your insurance agent for a copy of the insurance policy if you don’t have it already. The policy should clearly define the type of roof damages it covers. For instance, some insurance companies in Florida will cover damages caused by hailstorms because they are unusual and unpreventable but refuse to cover damages caused by hurricanes. Such events are more frequent in the region.
Proof of Damage
Once you are certain that your roof’s damages are covered under the insurance policy, take as many photos as possible documenting the damages. If you cannot assess the damage, call a professional roof inspector to do it for you. Make sure that the final report includes the cause of the damage and the date it happened. If hailstorms caused it, find articles related to the event in the newspapers and on the internet to support your claim.
When hiring a roof inspector, make sure they have all the necessary licenses and certificates to offer such services. These credentials are necessary because some insurance companies will reject genuine claims that a qualified inspector did not do the inspection. Also, make sure all the necessary paperwork is submitted on time.
Receipts and Invoices
If you have any receipts and invoices relating to safeguarding your roof from further damage and repairs done by a professional, attach them to your claim. However, avoid hiring your roof replacement professionals until your insurer approves your claim because most insurers have their approved contractors, and hiring outside this network could mean they won’t cover your roof replacement cost.