Most home insurance policies cover unexpected roof damage. If your roof was damaged in a storm or by fallen debris, then your home insurance should cover the cost of repairing your roof to its pre-loss condition. However, roof insurance claims from storm damage aren’t always that easy, especially for a storm damage repair. Some insurance policies have stipulations about the age of your roof and to help you understand how this works, De Palma Construction weighs in on the matter.
How Your Roof Insurance Claim Works
If, for instance, your roof is less than 10 years old, for example, then the full value of your roof will be covered. If your roof is older than 10 years, then the insurance company will only reimburse you for the depreciated value of your roof. Here’s a step-by-step on how a typical roof insurance claim works:
After a storm hits your area, you’ll immediately check your roof after the storm and find significant damage such as a hole or exposed underlayment. If this is the case, put a tarp over the affected area to prevent further damage.
Next, you’ll need to contact your insurance company to begin the claim process. They’ll set up a claim number for you and provide additional instructions. Depending on the severity of your roof’s damage, they’ll likely recommend getting a trusted roof repair contractor to your home to limit further damage.
Your insurance company will also send in an adjuster to your home to check your insurance claim, assess the damage during a roof inspection, and determine what is and isn’t covered for your roof claim. Afterward, they’ll process your roof damage insurance claim, depending on the terms of your policy.
Of course, this is how a roof damage insurance claim will be processed in an ideal situation. Keep in mind that the insurance company may dispute some aspects of your claim, so you’ll need a public adjuster to handle the case and ensure you get fairly compensated.
How to Handle Roof Inspections and Roof Repair Estimates
It’s crucial to get an accurate roof inspection when filing a claim, as this creates a good foundation for the rest of your insurance claim. This also helps you get the exact amount of money you need from your insurance company to repair 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 an independent roofing contractor to get an estimate on your roofing damages. An independent contractor can safely get on your roof, inspect the damages, and tell you how much it will cost to repair or replace your roof.
As an excellent residential roof repair contractor, De Palma Construction stands behind our quality of work and we make sure to get the job done right the first time. Call us at (717) 638-1131, or just fill out our convenient contact form. Talk to us today!