sheinnovatesalbeIt is important to understand how insurance cover roof damage before making a claim. While your home insurance policy will usually cover damage to your roof, you may have to pay a deductible.
What do insurance adjusters look for on roofs?
There are many reasons your roof may be damaged. For example, wind and hail can cause your shingles to wear out. Depending on your insurance, you may be able to have a separate deductible for hail and wind. You also might be able to file a claim for repairs.
The insurance company will send an adjuster to inspect your property. They will assess the extent of the damage and estimate the cost of repairs. When the claim is approved, the insurer will then reimburse you for the cost of the repairs.
If you are looking to make a claim, it is important to keep records of any damages to your roof. This includes photos of the exterior and interior of your home, as well as receipts for any work done.
Once the insurance company has reviewed your damage, the claims adjuster will communicate with your insurance provider. They will determine how much the claim should be and whether or not your claim will be approved.
Homeowners insurance will usually cover roof damage that is a result of covered perils, such as lightning, falling objects, explosions, vehicles, and hail. If your roof is older, you might have a lower deductible than if your roof is relatively new.
Your policy may also include a supplemental coverage endorsement. This will allow you to replace your entire roof, rather than just repairing or replacing part of it. Adding this supplemental coverage can be expensive.
