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Roofing Insurance Claims For Storm Damage – If you think you may have an insurance claim for your roof due to storm damage caused by wind, water, hail or tree…
Roofing insurance claims can be difficult to deal with, and having an experienced contractor on your side could save you thousands.
Roofing Insurance Claims For Storm Damage
If you’ve just had a storm roll in, you may wonder if you have storm damage that needs your attention.
Central Ohio Storm Damage & Insurance Claims
It is important to inspect your roof and surrounding property for damage right away, as insurance policies usually include a statute of limitations and a time frame for how long after an incident you can file a claim.
Additionally, if you have hail or other functional damage to your roof, you could have a roof leak that can cause hidden interior damage or mold.
While the best way to determine whether or not you have a roof damage claim is to bring in an experienced roofing and restoration contractor…
If you see any of the signs of damage above, it could be that you have damage to the roof.
The Do’s And Don’t Of Assessing A Roof After A Storm |
A thorough property damage assessment will document any damage with a photo and written record to help you determine if you should file a claim.
If you notice any of the above signs on your property – and before you file a claim – you should call a roofing contractor…
And a professional appraisal will give you peace of mind that you’re covering all your bases after you’ve filed a claim.
At RestoreMasters – having completed thousands of storm restoration projects – we know exactly what insurance companies look for.
Roof Insurance Claim Process For Ohio Homeowners
If you have damage to your property due to a tornado or hurricane, hail, water, downed trees, fire, or other disaster…
You’ll want to have a team like RestoreMasters on your side to help you get the best results during your restoration project.
Check out the stories below to learn more about how we help residential and commercial property owners ›
As one of the nation’s largest restoration contractors, RestoreMasters can restore your property to previously damaged condition, installing materials such as or better…
Why Did My Insurance Company Send An Engineer?
Not all homeowner’s or property owner’s insurance policies provide the amount of protection you need after a disaster.
It’s important to know what type of policy coverage you have, because it can affect how much you can pay.
Your policy likely includes a deductible that you must pay in the cost of an insurance claim before coverage kicks in.
Policies pay different amounts to repair or replace property damage depending on the type of wind/hail coverage you purchased with your policy. After the deductible is paid, the amount you get for your claim depends on whether your policy includes ACV or RCV coverage.
Does Homeowners Insurance Cover Roof Damage?
ACV is calculated as the amount needed to replace or repair your roof minus any loss in value associated with the age of your roof.
RCV is calculated as the amount needed to replace or repair your roof without subtracting value for the age of your roof.
This can catch some people off guard, so it’s important to be familiar with the coverage provided in your policy.
And dealing with the consequences can be overwhelming as you try to keep your business or home while you work with your insurance company to fix your property.
Roof Insurance Claim Made Easy
Our goal at RestoreMasters is to ease the burden by giving you the help you need to restore your property to pristine condition.
RestoreMasters is an experienced, full-service contractor – offering turnkey solutions including roofing, siding, windows and doors, interior restoration, exterior repair and more. With offices nationwide, we’re here to serve you!Many homeowners wait until they have a damaged roof to ask the important question: Will my homeowner’s insurance cover roof damage? The best information about what is and isn’t covered will come from your insurance provider. In most cases, your homeowner’s insurance covers some type of damage. The quality and amount of coverage can vary depending on your location, the age of your roof, and other less obvious factors. It’s always good to familiarize yourself with the specifics of your homeowner’s policy.
When you sign up for an insurance plan, you’re trading regular monthly or annual premiums for coverage in the event of catastrophic (or just expensive) loss. The insurance company is betting that you will pay more in premiums than you will claim in coverage. Meanwhile, homeowners are betting that their total premiums and deductibles will be less than the damages they can claim, making the policy a net gain for the homeowner.
The fact is, as with any game of chance, the house always wins. In the case of insurance, this means that insurance companies will always end up collecting more in premiums (from all customers) than they pay out in claims. If they were not, they would make no money and have no reason to exist. To ensure that the insurance company always wins, insurance companies hire teams of actuaries. Their only job is to assess the likelihood that you (or a customer like you) will make a claim, and what kind of claim that will be. With this information, insurance companies set premiums and deductibles to always come out ahead.
Roof Storm Damage: Types, Insurance Claim Process, And Tips
If you have actual damage to your roof, you may be the lucky customer who gets paid. The reason insurance companies can exist is that sometimes they actually cover a claim that is greater than the combined premium of the customer and deductible. And customers want to pay premiums to protect themselves in just such a situation.
In order to be an insurance company and not just a “payment company”, insurance companies do not cover all damages and repairs. If damage is due to the age and weather of your roof, chances are it’s not covered. It is your responsibility to maintain your roof and replace it when it reaches the end of its useful life. But if you have unexpected and unforeseeable damage, that’s when your insurance kicks in.
Most often, insurance covers unexpected and unavoidable damage from things like fire, vandalism, and weather damage (such as hail, wind, and trees or debris from a storm).
Before an insurance company will pay for repair or replacement they will send an adjuster to do an inspection and verify the extent of the damage. The adjuster is there to protect the insurance company from fraudulent claims. They will determine that the damage is from a covered event (ie from hail and not the homeowner’s hammer) and the extent of the damage. After the inspection, the insurance company will determine the estimated cost of repairs (or occasionally full replacement).
Homeowners Insurance 101: What Does “roof Exclusion” In A Policy Mean?
The best way to help an insurance adjuster determine the cause and extent of damage is with photos. They say that a picture is worth a thousand words. In this case, it can be worth a thousand dollars (or more). Take some “before” pictures of your roof and the outside of your property. This includes gutters, siding, and anything else attached to the structure of your home. Take new photos after any maintenance, so you always have current photos of what your roof and property looks like.
In the event of a storm or other damage, take “after” photos as soon as safely possible. This will help the insurance adjuster determine what damages result from the covered event. Of course, isn’t it always safe to climb on a roof and take pictures, especially if you suspect your roof is damaged. In this case, you can wait for the adjustment or call a reputable dealer for an inspection.
Eagle Watch Roofing will come out to your property and meet with your insurance agency on site. Our trained and experienced adjusters will work with your adjuster to make sure you get a fair estimate of damages. Once the adjuster has determined the amount of damages and approved the claim, we will make sure that all applicable damages are covered. We will also advocate for you to ensure that the insurance company pays current industry standard regional rates. This way we can make all the necessary repairs to your property for the replacement cost determined by your insurance company. All you will be left with is the cost of your deductible and any upgrades.
They say that there is no such thing as a free lunch. There is also no such thing as a free roof. Any roof that advertises a free roof should send you running in the opposite direction. Unless you have a zero-deductible homeowner’s insurance policy (they don’t exist), you’ll still pay something.
My Rental Property Has Storm Damage, What Can I Claim?
There are roofers out there that advertise free roofing. They say they will waive the franchise or absorb the franchise cost. Unfortunately, there’s no legal way to do this, so chances are they’ll rely on some shady billing to keep you from paying a deductible.
Insurance companies used to use a very simple technique to cover claims. The adjuster would come to your home and determine the amount of damage. The insurance company would estimate the cost of repairs. Then they are
