Homeowners Insurance and Roof Storm Damage

There’s no worse time to learn about what your homeowner’s insurance does and doesn’t say about roof storm damage than right after a storm. So, to make sure there are no surprises, The Roofing Company is here to help you better understand how to make sure you get the assistance you need when you’re in need of any sort of roofing repairs or replacements.

Does Homeowner’s Insurance Cover Storm Damage?

Most homeowner’s insurance policies include coverage for hail, high winds, fallen objects, and interior damage resulting from roof leaks and other damage. However, you must be able to provide evidence the damage is actually a result of a recent storm. How much assistance you receive will depend on the extent of the damage and your roof’s ability to weather another storm. The age, debris build-up, structure/style, slope direction, maintenance, installation, materials, and more of your roof all factor into decisions involving your claims.

Collect Evidence Of Storm Damage

The most important thing to remember if you want to make things easy as far as filing insurance claims is to have as much evidence as possible. While safety should be your top priority and you should never go up onto a roof after a storm to inspect the damage, you can and absolutely should walk around, look out from all elevated windows, and take photos of any obvious damage you see either on your roof or around your grounds. If/when you call on our reputable roofers for an inspection or repairs, take photos of that as well and get written confirmation of the types of repairs needed with attached estimates.

Don’t Try To Fix Your Roof Yourself

While you can certainly throw tarps over any holes and make other minute adjustments to your roof for safety’s sake or to prevent further damage, never attempt to repair any damage to your roof yourself. According to most insurance policies, you must have your roof and all damage you’re claiming inspected by a claim representative before repairs can take place. Even if you later decide you can and wish to handle the repairs/replacement yourself, you do not want to make a move until your insurance company gives the go-ahead. Though, your claim amount will adjust to reflect the assistance you need.

Choose Roofers That Offer You More

Finally, if you want to make sure your roof is back to protecting your property as quickly as possible, you need to choose residential roofing companies that can offer you the most, like The Roofing Company. Here, our skilled roofers handle everything from minor repairs to full roof replacements while our seasoned homeowner’s insurance specialists focus on helping you document your damage and file a successful claim! If you are you looking for experienced and top-rated residential roofing companies, call The Roofing Company today at (586) 330-9290 to schedule service, use the chat feature, or simply fill out the form in the sidebar.