Can You Claim Roof Repairs On Insurance – Roof damage insurance claims can often be tricky to investigate and prove your case. Some roofing damage is always covered by a home insurance policy, but other roof damage is not. We’re providing the most critical tips you need to know about roof insurance claims, dealing with roof insurance adjusters, and performing an insurance roof inspection.
Most home insurance policies cover unexpected roof damage. If your roof is damaged in a storm or by falling debris, your home insurance may cover the cost of restoring your roof to its pre-loss condition.
Can You Claim Roof Repairs On Insurance
However, roof insurance claims from storm damage aren’t always easy. Some insurance policies have provisions regarding the age of your roof. If your roof is less than 10 years old, for example, the entire value of your roof is covered. If your roof is more than 10 years old, the insurance company will only reimburse you for the depreciated value of your roof.
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In many cases, the insurance company will dispute certain aspects of your insurance claim. In this case, you may want to hire a public adjuster to handle your insurance claim and ensure that you receive the maximum possible amount of compensation.
The average homeowner’s insurance policy usually covers things like roof leaks and other roof damage. If your roof is damaged by fire, hail or wind, your home insurance will cover the cost of repairing that damage. If that fire, hail or wind causes a leak in your roof, home insurance will cover the cost of repairing the roof and any damage caused by that leak.
An accurate roof damage estimate creates a good foundation for the rest of your insurance claim, helping you get the exact money you need from your insurance company to restore your roof to its pre-loss condition. A bad estimate, on the other hand, can jeopardize your claim entirely.
We recommend contacting a public insurance adjuster or independent roofing contractor to get an estimate of your roofing damages. An independent contractor can safely get on your roof, inspect the damage, and tell you how much it will cost to repair or replace your roof.
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Alternatively, many public adjusters specialize in roofing inspections, especially in areas like Texas and Colorado that see a high number of hail storm damage claims. Instead of first hiring a contractor and then a public adjuster, you can hire a public adjuster to help with roof inspections and handle all aspects of your claim.
Your insurance company should also send an insurance adjuster to your property for a roof inspection. An insurance company adjuster will perform the same roof inspection, but may come up with different results because of the damage and/or the cost to repair or replace your roof.
Ideally, the roof repair estimate from your insurance adjuster and the estimate from the public adjuster will be roughly the same. However, the two parties may disagree on some points.
An insurance company’s adjuster may challenge that some roofing damage was not caused by a recent storm – such as pre-existing damage from a previous storm. Or, the insurance adjuster may claim that you failed to take adequate steps to protect your roof. Maybe a dead tree fell on your roof in a wind storm. The insurance company may claim that you should have removed the tree a long time ago.
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A minor storm may have damaged only a few shingles on your roof. Shingles can be replaced safely without any problem.
If the damage affects a large, highly visible area of your home, you may want to replace your entire roof. Depending on the extent of damage, age and type of roof, a complete roof replacement may be the best option for your situation.
Your insurance will cover the cost of repairing or replacing the damaged section of your roof, but you may want to pay to replace the rest of the roof out of pocket. Sometimes wind, hail or another storm in your area will damage most of the roof and the insurance company will replace the entire roof.
A roofing contractor or experienced public adjuster should be able to help you decide whether to repair or replace your roof. The contractor will inspect the exterior of your roof and your attic to determine the extent of the damage. If there is moisture or water damage, for example, or if you have an old roof, it may be worth replacing the roof.
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Roofing experts recommend a roof inspection twice a year. You should also inspect your roof after every hurricane or severe weather event such as a hail or wind storm.
It is critical to have a thorough and proper inspection of your roof when making an insurance claim for damage. Here are some easy ways to inspect your roof before a professional inspector arrives:
If you spot signs of damage or if you don’t feel comfortable climbing on your roof, we recommend contacting a roofing contractor or qualified public adjuster as soon as possible to inspect the damage. The sooner you contact a roofing contractor, the sooner you can begin the claim process with your insurance company.
Keep records: Documenting everything is important when dealing with a roof insurance claim. Take pictures of all the damage and take as many pictures as possible. If your roof has been damaged by hail, take pictures of the largest hailstones you see on the ground after the storm, using a tape measure or golf ball to give the photo scale. If possible, provide documents indicating the cost of roofing and any other supporting evidence.
Emergency Roof Repair
Order an independent evaluation from a roofing contractor: In some cases, the insurance company may dispute your roof damage insurance claim, saying that your roof does not have enough damage to warrant a claim. In this situation, it may be in your best interest to schedule an estimate with an independent roofing contractor. A roofer can assess the damage to determine any roof repairs and how much it will cost to restore it to pre-damage condition.
Choose a roofing contractor with experience: As with any other service or professional, experience goes a long way. If your roof damage claim is covered by insurance, it is best to choose a roofer who has experience dealing with roof repairs covered by insurance claims. In many cases, your insurance company will recommend a specific roofer to do the job. Roofers with insurance claims experience have a better idea of what is covered and are better equipped to perform the necessary repairs in a timely fashion when a complex insurance claim process is involved.
However, keep in mind that in almost every state it is illegal for your roofing contractor to negotiate or handle your insurance claim. State licensed public adjusters or attorneys are professionals allowed to adjust claims in most states.
Avoid signing a contingency agreement: Some roofers try to get homeowners to sign a contingency agreement before the inspection. This contract authorizes the roofer to perform repairs on your roof if the insurance claim is approved. Some less-reliable roofers disguise a contingency agreement as an inspection report. By signing this report, you may be agreeing to award the job to that roofing company. Watch out for shady roofing companies and be careful what you sign up for.
Storm Damage Roof Repair
Consider hiring a public adjuster: Insurance companies may deny or reduce your insurance claim, forcing you to pay for expensive roof repairs out of pocket. In this case, you may want to find a public adjuster to help with your claim. Public adjusters are insurance experts who understand exactly what is not covered by insurance companies. They will negotiate with the insurance company on your behalf to ensure that your roof damage claim is properly covered. Most experienced public insurance adjusters perform their own roof inspections and know how to properly handle your roof damage claim from start to finish.
Insurance companies lose millions of dollars each year to insurance fraud. When it comes to roof damage insurance fraud, a homeowner may try to claim certain damages wrongly, even if the damages are unrelated to the recent storm.
Let’s say you have a 20-year-old roof in poor condition. Shingles are damaged by wear and tear over time. A storm hits your area. Some branches will fall on your roof. It is windy and rainy. Hail can hit your roof and cause minor damage. You may try to say that your roof was damaged during the storm, when in reality, most of the damage occurred before the storm.
In the above situation the insurance company will deny your claim – or at least reduce your payout significantly. Remember: The goal of home insurance is to restore your property to its pre-loss condition. Just because a few branches fell on your old roof doesn’t mean you’ll get a brand new roof.
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. The insurance company may say you committed fraud, for example, when your roof actually did
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