Insurance payments for roof replacement typically depend on the type of roof surface used, like shingles, tiles, wood, slate, metal, and other materials, along with the damage undertaken.
Claim Scrutiny
Regardless of the type of roof covering materials or parts of a roof that have been damaged, an insurance company will examine a roof replacement claim and expect the policyholder to provide extensive documentation, before and after photographs, as well as other information to justify a processing claim.
So if you want to know the details of whether your insurance will be paying for your roof replacement, you will need to review your policy thoroughly as to what you need to do in advance to make a legitimate claim.
Review Your Policy Coverage
Reviewing your coverage of the policy will help you to determine what coverage is allowed for roof replacement. A roof that is newer (10 years or less) is usually fully covered for repair or replacement on damaged sections of the roof.
Beyond the 10 Year Mark
Usually, a homeowner will receive reimbursement on the decreasing or depreciated roof value if a roof is beyond the 10-year mark. Depreciated value simply means that the insurance company evaluates a roof according to its age and the wear and tear it has had. Then, the insurance carrier places a reduced value on a roof before the damage happens.
Depreciated Value
Some insurance policies only cover the depreciated value of the roof, whether newer or older, while some policies offer full repair or replacement costs for damaged areas, despite their age.
Inspection and Reporting
Regardless of the situation with the damaged roof and the circumstances surrounding it, most insurance companies send an investigator to look at and validate the complaint. If the inspector concludes that the damage has occurred as a result of normal aging, deteriorating conditions or regular wear and tear, these results are usually interpreted as normal maintenance and are not protected by the home policy.
If a roofing claim is determined to be legitimate and an inspection evaluation will likely prove it so, it is important to schedule an inspection as soon as the damage has been documented. Payment can be sped up when a claim is promptly reported.
Estimates
An insurance company might also require estimates from licensed roofing contractors for legitimate repair and replacement work, or they may have their own to determine costs. It is important to have specific and detailed written estimates as well as proof that a roofer is licensed and insured.
Finding a contractor that is specifically experienced in giving estimates for insurance claims and is familiar with helping a homeowner through the confusion of getting a replacement claim approved. All of this information is key in accelerating the claim process.
Material Requirements
The insurance company may also require roofing materials to comply with the state code requirements for roof repair and replacement.
If your roof has been damaged and is protected by a homeowner’s policy and you are still unsure of the claim process, complete the online contact form and an expert in roof repair and replacement will get back to you with the information you need to make a legitimate and productive claim.
Recap
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Find Out What Your Policy Covers
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Provide Documentation for Your Claim
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Choose a Contractor with Insurance Expertise
Dynamic Roofing Solutions can help you get this done.
If your roof has been damaged and you have a homeowner’s insurance policy but are still unsure about the claims process, complete the online roof inspection form (mention insurance in messages box) and one of our roofing experts will get back to you with all the information you need.
We provide professional roofing services to Northeast Ohio and have over 125 5-Star reviews on Google. We are a local certified and insured roofing company, and we understand the insurance claim process to make it as painless and quick as possible for you.
