Homeownership brings a variety of responsibilities, and one of the most significant is maintaining and repairing your home’s structures. Understanding what to know about insurance claims can save you stress and money when it comes to roof repairs.
The Basics of Roof Insurance Claims
If you’ve noticed damage to your roof, your first instinct might be to reach out to an insurer. However, the process is not as straightforward as it may seem. Most homeowners’ insurance policies cover sudden and accidental damages, such as things caused by fire, hail, or severe wind. The details can be tricky, though. Know what your plan covers before filing a claim. Furthermore, your policy might include clauses that limit coverage for older roofs or preexisting conditions, so check for those.
Types of Roof Damage Covered by Insurance
Hail causes substantial roof damage, so most insurance policies cover hail damage. Other common types of covered damage include damage from trees or other debris, rain and snow leaks, and wind damage. Insurance typically won’t cover damage from ice, floods, and neglect. Insurers usually send an adjuster to assess the damage and determine if it resulted from a covered incident.
Preparing for an Insurance Claim
Proactivity is essential in the claims process. Before calling your insurer, take photos of your roof to document its post-incident condition. Keep records of any maintenance and repairs you’ve done and any assessments that show your roof’s age and condition.
Have a contractor in mind to complete the repairs. Most insurance companies need their name for the claim. We highly recommend A-Rite for all your roofing and exterior repairs. We’re the premier Owen Corning roofing contractors in Wausau, Wisconsin and the surrounding communities. The strong and durable materials we use will certainly protect your home against the next storm.
The Claims Process
When it’s time to file a claim, your insurer will guide you. This process may include filling out paperwork and meeting with your adjuster. Assessing the damage is a big part of this stage. Be present during this assessment to ensure they didn’t miss anything. Once the claim is approved, you’ll receive a settlement offer, and you can select your contractor to carry out repairs.
Common Mistakes To Avoid
Missteps during the claims process can lead to a denied claim or a reduced payout. Common errors include waiting too long to file, not maintaining your roof, and failing to mitigate further damage after the incident. The smallest oversight can have major financial implications for you as a homeowner.
Don’t let the implications of filing an insurance claim for roof repairs stop you! Your roof is one of the most important elements of your home, so treat it with care. Navigating insurance claims can seem daunting, but you can safeguard your home with this knowledge. The more informed you are, the smoother and more favorable the claims process.
