We ignore the roof’s integrity until a heavy storm hits or it starts to fall apart due to wear and tear. However, the roof of a house is a central part of the house’s structure, protecting you from extreme weather conditions.
In case you are currently experiencing a damaged roof, be sure to have it checked out before it becomes a living hazard. Roof repair and replacement can cause a lot of money if you leave it unchecked, and the condition worsens over time.
So it is recommended that you keep a close eye on the condition of your roof after stormy weather so you don’t have any unexpected roof problems in your house.
The good news is that most homeowners’ insurance policies cover the charges for roof repair. However, making this insurance claim can be long and tasking. But not to worry; this article will walk you through the process to get the best deal.
What Is Roof Replacement?
Roof Replacement is a procedure you undertake with your contractors when you have to repair or replace the roof of your house due to unexpected damages.
Typically, most roofs comprise an intricate layer of shingles, so when you order a roof replacement, the contractors will tear off the existing shingles from your roof and replace them with new shingles.
Depending on the size of your house, the tearing-off process can take anywhere from 3 to 5 days. Other than this, the accessibility and complexity of your roof can also factor into the duration it will take to remove your old roofing to replace it with new ones.
Learn more in detail about Homeowners Insurance to stay on top of your game at all times
What Is The Cost Of Roof Replacement?
Although many factors affect a roof replacement’s final price, a standard roof replacement can generally cost anywhere from $5000 to $11,000. The average cost in most cities is $8000 for a typical roof replacement procedure.
Although the price is set relatively high, roof replacement and repair are essential parts of home renovations that you cannot skimp on the process. The more sturdy and high-quality your roofs are, the less the chances of them getting damaged by bad weather or pesky animals and rodents.
You should also consider the geography of the place you live in. Living in a place with heavy rainfall makes you more susceptible to falling victim to damaged roofs caused by heavy rains and thunderstorms.
This is not to say that sunny places are less prone to roof damage. Extreme exposure to sunlight can also be a cause of damage to your roof.
The only solution to this problem is to consult a professional and get them to examine your condition before deciding what kind of material will work best for your roof. This way, you can expect a longer-lasting roof with maximum protection and less expenditure.
How To Get Insurance To Pay For Roof Placement?
Before getting your insurance company involved in your roof replacement process, there are several steps to follow.
Get To Know What Your Coverage Is:
If you have homeowners’ insurance, look at their policies and see what areas they cover. This might take some heavy research since insurance policies can sometimes be lengthy and confusing.
The best is to read up on Claims Information so you know what you’re in for
If you have a personal lawyer or a professional in the field, talk to them about your plans and get them to explain the policy to you. Additionally, the areas covered by your home insurance policy providers greatly depend on the company and the region, the type of damage, etc., so it is vital to consider them beforehand.
In most cases, home insurance policies cover two different kinds of roof insurance:
Coverage For Repair
Under this policy, your insurance provider will compensate you a certain percentage of the total expenses of your roof repair costs
Coverage For Replacement
Under this policy, the company will provide all necessary financial requirements to replace a roof that is beyond repair
Documenting The Roof Damage
While it looks simple on paper, getting approval for this coverage is a much more complex process since the underlying conditions for these offers are lengthy and quite specific. Hence, you should document the damage as soon as possible to have a better chance of getting approved for your insurance claim.
How To Properly Document:
- Take note of the date of the incident.
- Take as many photos and videos as possible, preferably on the day or as soon as possible.
- Make sure that you cover all the possible angles, such as from the outside and inside of the house.
- If you have the facilities, use a drone to capture the top of the house from an aerial view.
- If you’re unsure what to do, get a professional to help you with the documentation process.
- Collect articles from newspapers and online materials that will back up your claim if your roof was damaged due to natural disasters like a storm or a hurricane.
Contact Your Insurance Policy Providers:
Once you have all the materials, you need to make a factual claim, contact your agent via a phone call or contact them via their website if they have online help. You can also look at their procedure for submitting a claim and understand the process in detail.
Once you have everything you need, start the submission process and send your claim to the company.
Hire Reputable Contractors For The Job:
After you have submitted your claims, look for a reputable contractor who can repair or replace your roof. One thing to look for in your contractor is that they should be well versed in insurance claims work to know exactly what protocol to follow.
Sometimes your insurance agency will also send an adjuster to inspect the claims and even try to deny the claims, stating various reasons. This is why it is crucial to have a professional by your side who can fight for your rights.
Wait For The Approval:
Usually, you’ll get an answer from your insurance provider within 15 days of claims submission. If they deny your claims, you can file for an appeal and make your case. However, the protocol might differ for various companies, so make sure you have a professional to guide you through this process.
On the other hand, getting approved will mean you can start your replacement work ASAP.
As you can see, getting insurance claims approved is quite a long process. So from the get-go, it is better to have good knowledge about what your insurance covers before you sign the policy.
Also, once you get it repaired or replaced, get a contractor or a roofing expert to do routine checks, so you don’t have to file another damage claim in case of another natural calamity.
You can also learn about Mobile Home Installer Insurance if you’re looking for insurance protection for your mobile home.