Roof is one of the important part of your home, it protects your home from elements and keeps you safe. so the question goes – Does your home insurance have appropriate roof coverage?
If you have a damaged roof, you are more likely to have problems with your home which will lead to more claims. Many insurance companies are becoming more restrictive with roofing coverage. some insurance companies won’t cover your roof if its too old.
Insurance companies have refused to renew the existing home policies on houses with older roofs without an inspection. Some home-owners were asked to replace the roof to get their home insurance renewed.
A report by consumerreports.org suggest that the 6 percent of homeowners they surveyed who had claims of $30,000 or more also had the most hassles. A whopping 41 percent of those claimants had at least one problem, including disagreement over damages, disputes about coverage, delays, and slow payout. By contrast, only 19 percent of filers with claims below $30,000 hit such snags.
Isn’t that why we buy home insurance? to protect ourselves against huge home repair expenses. Home insurance allows us to restore the house to the way it was before the damage. Some home owners were able to get material upgrade sto repair the roof damages at no extra cost.
It is but natural for home owners to call the insurance company when there is a damage, this may not be in the best interest of the homeowner. It is advisable to call your local roofing contractor who can work with your insurance company and help you get the most out of your claim.
Insurance agents are not roofing specialist, they possess limited knowledge of the roof. Your local roofing contractor can assess the precise damage and guarantee an accurate inspection.
At J.D Flora roofing, we suggest you go through your home insurance policy and confirm what is and is not covered by the policy. If you need guidance with selecting the right insurance policy, give us a call. We will assess the health of your roof and guide you with updating your current home insurance policy.