Roof Repair and Insurance- How to File a Claim

1. Roof Repair and Insurance- How to File a Claim Unfortunately, not all insurance companies offer the same coverage for roof damage. It’s important that you make sure you understand your policy and what is will truly cover before filing a claim. Your policy may note something about partial replacement or full replacement, but this does not mean that you will get a brand new roof; it means that you will get one repaired. Confusing? A little, but this is one of the reasons why it’s best to use one of those online insurance services where you fill out the necessary information and a smart system instantly compiles an estimate for roof repair costs based on your home’s exact specifications. If your roof is damaged, there are a few things you need to know. First, don’t wait for repairs; call a contractor right away. In some cases, they may even be able to provide some tarps or temporary coverage if the damage is causing immediate leaks. Second, you will want to file a claim with your homeowner insurance to get the ball rolling on repair coverage. So if your home is over 20 years old and you’re in a moderate to high-risk area, it makes sense to buy coverage that pays for actual cash value in the event of wind damage. You will save money overall on your premiums, and you’ll be able to reduce claims later on should your roof sustain heavy storm damage. When filing a claim for your roof the most important thing is the documentation. Always get receipts, pictures etc. Insurance companies will ask for proof of repairs, so if you do the work yourself make sure you take pictures and keep receipts to show them. Or, if you hire someone to do it all for you ask him/her to take pictures and give you copies. Be sure that you know what is covered by your insurance company before you file your claim. There can be many factors that affect what insurance premiums you pay. Whether it’s buying a more expensive home, having a wood-sided home, having a pool or garage on your property, or not maintaining your home well, there are ways to lessen the likelihood of paying more for insurance. Call your roof damage claim lawyer Fort Lauderdale now. There are several reasons you may need to get your roof repaired or replaced. Getting covered by homeowners’ insurance is important because it will help you avoid paying out of pocket expenses. Keep in mind that there are several types of home damage that insurance can cover. This will depend on the policy and the damages. When looking into your options, it’s important to work with a roof damage claim lawyer Fort Lauderdale to help you determine whether you qualify for coverage by your insurer. Hopefully this will help you be better prepared in the event that your roof or siding is ever damaged by heavy weather. If you live in an area where strong storms are a frequent occurrence, it might be worth investing in some storm shutters for your windows and patio doors. Siding can also be protected with solar screens, which reflect harsh sunlight and reduce energy costs as well.