Monthly Archives: October 2015

What Does Roof Insurance Cover?

Roof Insurance Can Assist with Roof Costs

Homeowner’s Insurance Can Help You

The insurance claims process can be one of the most difficult aspects of dealing with damage to your roof. It is bad enough when damage occurs because the repairs often cannot wait. They are imperative to the health of your roof and your home overall and can prevent things like leaks and water damage from becoming a serious issue. But knowing how to handle the claims process can be a trying endeavor. More often than not, the insurance companies will do everything in their power to try to avoid paying out an insurance claim. It can be infinitely frustrating to try to get them to pay out a claim and lead to a level of aggravation that sours the entire process. If you find yourself in the position of trying to handle the insurance claims process yourself, there are a number of different questions that you should ask.

Will Insurance Cover a New Roof?

This can be a bit of a tricky question to answer. If your roof has experienced leaks or damage from hail, storms, or fire, your insurance homeowners policy might help pay to repair or replace the roof, but this is specific to your policy. It is important to note that if at all possible, your insurance will attempt to fight to have to do so. Most policies will not cover costs of repair or replacement if upkeep has not been done to prevent wear and tear. Expect the insurance company to take the step to claim this so that they can avoid having to pay out your claim.

Ultimately, the insurance company will not pay for the cost of the entire roof but they will help with the costs of the roof if it has been proven that the damage was caused by extenuating circumstances.

What do Insurance Adjusters Look for on Roofs?

Generally speaking, storm damage will be covered under your homeowners’ insurance policy. But it is important to know that when the claims adjustor comes out, they will primarily be looking at three things before making their final assessment.

Interior Damage. One of the key things that your insurance company will look for is pre-existing damage. The insurance companies have a general assumption that it is up to the homeowner to take care of the property, which includes filing a claim for storm damage promptly.

If your roof has been leaking for a while, they will likely refuse payment for things like damaged drywall, personal property, or insulation. Make sure that when an issue arises, you file your claim quickly to keep the companies from taking this out.

Correct Installation. Your most standard insurance policies will not cover damage that is related to potentially faulty workmanship. That is why the adjuster will ultimately look for signs as to whether or not the roof was properly installed. If the adjuster determines that the roof was damaged because the contractor installed it incorrectly, they may refuse to pay for the damages.

Age of your roof. If you find that your roof is at the end of its life span, the insurance company could refuse to pay for any damages based on the assumption that you would have had to replace the roof anyway. It is also important to keep in mind that if the insurance company does help to cover the costs of replacement or repairs, it will be based on the value of your depreciated roof, not the total cost of a new, full replacement.

What Kind of Roof Damage is Covered by Insurance?

While most insurance policies will cover damage to your roof for “unpreventable reasons” – things like vandalism or fire, storm damage, or “acts of God” – it isn’t nearly as cut and dry as it sounds. Though things like wind, rain, and hail damage are certainly covered by your insurance policy, there are a number of factors that can go into determining if your damage will be covered. Not only that, damage is rarely completely covered, so it is important to determine just how much of the damage will be covered.

For instance, policies will take into account the age of your roof at the time of the damage. If it is a newer roof, your insurance claim will likely be paid out because this is seen as unforeseen damage to your roof. But if your roof is older or nearing the end of its life, your insurance company might try to claim that the roof needed to be replaced anyway and will not pay for those repairs to be done. It really is at the discretion of the insurance company.

This Roofer is Making a Report for Roof Insurance

Your Insurance Claims Process Is Important

Knowing these questions and what you are likely to experience when going into the insurance claims process is important so that you can avoid unwanted surprises. Get your roofing claims filed with the help of VISION CONSTRUCTION to make the entire process all the easier.

Scheduling an appointment for your roof insurance assistance has never been easier. Our staff at VISION CONSTRUCTION are ready to take your phone call at 888-360-8474. Discover more about what roof insurance in Olathe, KS can do for you!