To ensure this is exactly what happens, here are some important steps you must take along the way.
If you have homeowners insurance and need your roof replaced, you may automatically assume it is covered. However, that is only sometimes the case. Unfortunately, not all insurance policies cover all types of roof damage.
Understand Your Coverage
If you have homeowners insurance and need your roof replaced, you may automatically assume it is covered. However, that is only sometimes the case. Unfortunately, not all insurance policies cover all types of roof damage.
In fact, policies generally offer either repair coverage or replacement coverage. Because of this, you should always check over your policy to find out the specifics of what it covers.
As you know, a picture is worth a thousand words when it comes to roof damage. By taking photos of your roof damage and sending them to your insurance company, you will have a much better chance of getting your claim approved for a roof replacement.
To stand a much better chance of getting your roof replacement claim approved, it is always best to hire a reputable roofing company to conduct the inspection and perform the actual replacement.
Document the Damage
As you know, a picture is worth a thousand words when it comes to roof damage. By taking photos of your roof damage and sending them to your insurance company, you will have a much better chance of getting your claim approved for a roof replacement.
If you are unable to document the damage yourself, contact experienced roofing contractors who can conduct an inspection and document the damage during their inspection.
Work with Reputable Roofers
To stand a much better chance of getting your roof replacement claim approved, it is always best to hire a reputable roofing company to conduct the inspection and perform the actual replacement.
If you choose to hire a fly-by-night roofer, you may not only find your claim being denied, but also that the so-called "roofer" is nothing but a con artist who is preying on unsuspecting homeowners.
If you have had a serious storm in your area recently that caused damage to your roof, be very aware of these scam artists.
Once your roof suffers damage and needs to be replaced, don't wait around to file your insurance claim. If you do, this will make it much too easy for your insurance company to state that they believe the roof damage was not recent, which will result in your claim being denied.
Promptly Submit Your Claim
Once your roof suffers damage and needs to be replaced, don't wait around to file your insurance claim. If you do, this will make it much too easy for your insurance company to state that they believe the roof damage was not recent, which will result in your claim being denied.
Once your claim is submitted, the insurer will have 15 days to make a decision about approving or denying your claim, so be prepared to be patient.
When you need a roof replacement, remember that this is why you have insurance in the first place. By using your coverage to its full advantage, you can soon have a new roof without paying one penny out of your own pocket.
When you need a roof replacement, remember that this is why you have insurance in the first place. By using your coverage to its full advantage, you can soon have a new roof without paying one penny out of your own pocket.
