Choosing a Policy That Won’t Leave You High and Dry
Few things can ruin your outlook more easily than experiencing a sudden feeling of moisture and looking upwards to see water rushing down. No, we’re not talking about rainy days that put a stop to picnics. For most modern Americans, roof leaks are far more catastrophic.
Luckily, insurance can actually cover some forms of roof repair. It may not stop your park outing from getting soaked, but at least you’ll have somewhere dry to retreat when the clouds show up.
How Your Coverage Reflects Your Homeowner Habits
The first thing you should know about insurance is that it only covers certain types of damage. Depending on where you live and the options you pay for, your policy will include reimbursement for specific forms of roof problems.
For instance, a policy may exclude damage discovered in worn roofing that you’ve neglected to take care of. Even though the same policy might include protection for severe storms, the fact that you haven’t had your roof inspected or checked out in decades could place the blame squarely on your shoulders.
Determining Whether Specific Situations Are Covered
Whenever you experience a roof leak, you need to act fast. Just as many insurers wash their hands of neglected roofs, they may establish coverage limits for relatively recent damage that goes unfixed for too long.
In most cases, you should start by determining what caused the leak and isolating it at the source. Your insurer may ask for documentation of the problem’s origins before they’ll even consider a claim.
In some cases, your policy won’t cover certain causes. Issues like lightning strikes, hail, wind and winter ice buildup may be excluded unless you opt for them as extras. It’s vital to examine your terms closely so that you know what you’re actually paying for.
The Importance of Documented Inspections
Your insurer will most likely appoint an inspector to assess and document the damage to your roof. This doesn’t mean you can rely entirely on their judgment, and there might be some delay before these assessors get to you.
Hire an established local inspector to take photos and appraise the damage right away. The sooner you contact a licensed, insured roofing expert, the faster you can get your claim processed.
It’s also worth noting that you may not agree with the official insurance assessor’s opinion. If they decide certain material defects are unworthy of coverage or don’t require repairs, having a written, third-party assessment on hand can help you contest their decision. Extra documentation may also speed your claim, especially if it proves that your roof was inspected properly prior to sustaining the damage you want to repair.
Dealing with insurance companies after roof damage is easier when you have experienced professionals on your side. To learn more about getting started, visit Interstate Roofing today.