Does homeowners insurance cover the cost of a new roof in Durham?
The simple answer to this question is that it depends. If you are currently a homeowner then you most likely have home insurance either required by your mortgage lender or encouraged by the government. Most people do have home insurance, sometimes though simply having an insurance provider for your residence does not mean you are fully covered for every type of damage that can happen to the home. If you are not aware of every aspect or scope of your policy you are not alone, many homeowners have no idea what is being covered until they contact their agent and look into their policy on a deeper level. Roofing damages are usually included in most policies when something occurs such as a large wind storm, tornado, hail damage, lightning, falling tree etc.
Not many people are aware that insurance companies can keep track of a lot of information regarding your home, the condition of the roof, how old it is and when it will likely need to be replaced. Depending on your provider If your roof is over 25 years and you recently signed up recently for insurance, many companies will not include the roof inside the policy due to it being so old and likely to fail at some point soon. The policy would still cover damages caused to the house but the deductible may be higher had the roof been installed 4 years ago. In some cases the agency will calculate the roof’s worth based on how old it is and if it is included in the policy use that estimate. It is always recommended to contact your agent and consult with them about your current policies and coverage plans.
If your roof replacement near Fayetteville, NC occurred due to natural causes such as a massive hail storm, extreme winds, broken limbs etc then it more than likely will be covered inside your policy plan. Depending on how bad the damages are the coverage may vary slightly. If the damages received by the roof are not substantial enough the insurance provider may decline the claim. For example if you have a metal roof that was dinged up by a hail storm the policy may not replace the roof if it still functions properly and is simply aesthetically damaged.
Filling out a roof replacement claim can seem challenging and hang over your head if it is your first time submitting a claim. One of the things insurance agencies want you to do is access the damages on your own (you can also hire a professional like ourselves which we recommend) to determine the extent of the issues. You are also encouraged to work with your insurance adjuster and claims representative to help in the process of getting a new roof replacement near Fayetteville, NC. It is recommended to begin the claims process as soon as you are able to, following the storm or damages that happened recently.
It is very important to understand what is covered within your policy, you can either contact your agent or go online to their website under your customer policy page. Don’t simply guess or hope that you know what is covered in your policy, if you are unsure what is covered or forgot be sure to call your company and go through your plans with them. You can also find a lot of information by searching terms like “roof replacement policy” followed by the name of your provider. If you have paper copies or emails going over current policies this may also be a good resource to understand more thoroughly what is covered.
The final few steps to get the majority of your roof replacement covered by insurance is to get a written estimate from your roofing contractor near Fayetteville, North Carolina. Our roofers provide very accurate estimates for all kinds of roof repair services and roof replacements. While we are not the cheapest in town we also are not the most expensive. We do however provide some of the highest services and guarantee quality work for your home which will last for many years to come. The final step in the process is to contact your agent once we have provided an estimate. You will then need to work with your insurance adjuster to make sure that the estimate is accepted and paid by the agency. You will pay your deductible and they will cover the remaining costs (again this depends on your policy).
Not many people are aware that insurance companies can keep track of a lot of information regarding your home, the condition of the roof, how old it is and when it will likely need to be replaced. Depending on your provider If your roof is over 25 years and you recently signed up recently for insurance, many companies will not include the roof inside the policy due to it being so old and likely to fail at some point soon. The policy would still cover damages caused to the house but the deductible may be higher had the roof been installed 4 years ago. In some cases the agency will calculate the roof’s worth based on how old it is and if it is included in the policy use that estimate. It is always recommended to contact your agent and consult with them about your current policies and coverage plans.
If your roof replacement near Fayetteville, NC occurred due to natural causes such as a massive hail storm, extreme winds, broken limbs etc then it more than likely will be covered inside your policy plan. Depending on how bad the damages are the coverage may vary slightly. If the damages received by the roof are not substantial enough the insurance provider may decline the claim. For example if you have a metal roof that was dinged up by a hail storm the policy may not replace the roof if it still functions properly and is simply aesthetically damaged.
Filling out a roof replacement claim can seem challenging and hang over your head if it is your first time submitting a claim. One of the things insurance agencies want you to do is access the damages on your own (you can also hire a professional like ourselves which we recommend) to determine the extent of the issues. You are also encouraged to work with your insurance adjuster and claims representative to help in the process of getting a new roof replacement near Fayetteville, NC. It is recommended to begin the claims process as soon as you are able to, following the storm or damages that happened recently.
It is very important to understand what is covered within your policy, you can either contact your agent or go online to their website under your customer policy page. Don’t simply guess or hope that you know what is covered in your policy, if you are unsure what is covered or forgot be sure to call your company and go through your plans with them. You can also find a lot of information by searching terms like “roof replacement policy” followed by the name of your provider. If you have paper copies or emails going over current policies this may also be a good resource to understand more thoroughly what is covered.
The final few steps to get the majority of your roof replacement covered by insurance is to get a written estimate from your roofing contractor near Fayetteville, North Carolina. Our roofers provide very accurate estimates for all kinds of roof repair services and roof replacements. While we are not the cheapest in town we also are not the most expensive. We do however provide some of the highest services and guarantee quality work for your home which will last for many years to come. The final step in the process is to contact your agent once we have provided an estimate. You will then need to work with your insurance adjuster to make sure that the estimate is accepted and paid by the agency. You will pay your deductible and they will cover the remaining costs (again this depends on your policy).