Insurance and Roof Replacement Costs
Home owners insurance is useful as there may be unanticipated repairs on one’s house. The roofing is especially essential as the roof protects the rest of the house from weather elements like rainfall, hail, snow, and high winds. As much as the idea of home owners insurance is reassuring for the homeowner, there are a number of pitfalls when it pertains to dealing with insurance claims.
For a homeowner looking to file claim with their insurance, it is best that the homeowner first consult with a qualified roofing contractor prior to filing insurance claims. Furthermore, it is very important that the homeowner reviews his or her home owners insurance policy. Some typical exclusions that the insurance company might not cover are total replacement, materials, and older roofs. However, they do this to guard themselves from unneeded expenses and fraudulent claims.
Regarding complete replacement, insurance companies do not cover damage that stems from incorrect maintenance or damages, which can be prevented if the home owner is mindful of the condition of the roof. Regarding materials, utilizing slate shingles or cedar shakes could be reasons why insurance companies do not replace roofing with such materials. Insurance companies might also not cover replacement of older roofing (with a roof life span of 10– 20 years old) because, like health insurance, older materials are more high-risk and the company gets the short end of the stick.
By talking to a roofing contractor you will have someone that can lead the home owner throughout the replacement procedure. Many of the instances when the homeowner consults with the roofing contractor are whenever the home owner seeks an insurance claim after the house was damaged by a thunderstorm. Homeowners know they need to have the damages repaired so they file an insurance claim. Adjusters frequently fail to see the existing damages or they also underestimate the damages. The homeowner may also be riddled with a lot of additional expenditures not covered by insurance. Contractors assist the owner in determining the problem and they also assess the damages.
With the help of a contractor, one can be assured that the roof life span can be extended by a number of more years with proper evaluation of the damage. The contractor’s help can also provide the home owner with adequate information to help handle insurance adjusters. The roof life span is important to all home owners. A correctly kept roof protects the home’s beauty and also delivers adequate protection for its occupants for lots of years to come.