Homeowner’s Insurance and Roof Repairs

January 24, 2018 6:13 pm Published by Leave your thoughts

Most homeowners will encounter the problem of a damaged roof at some point or another. Although they are built to last, every roof gets old, and they all need some TLC or maintenance from time to time. Even a brand new roof can have a tree branch fall on it unexpectedly.

When it’s time to look into roof repairs, the question of insurance inevitably arises. What’s covered, and what’s not? What kind of compensation can you expect, and what should you plan to pay out of pocket?

You could try to go through all the paperwork and read through your policy again, but most of the time, it’s easiest and most effective to just call your insurance provider directly. There may be some areas of your plan that you didn’t know about, and the agent may also be able to make knowledgeable recommendations as you move forward.

You’ll probably find that, when it comes to roof repair in Salt Lake City, UT, your coverage often depends on a set of variables, including the neighborhood you live in and the age of your roof. If the damage was unpreventable—for example, fire or vandalism—it will most likely be covered. Likewise, most insurance companies will cover natural disasters that apply to your area, such as tornadoes or hurricanes.

It gets a bit trickier when it comes to the more common elements such as wind, hail and rain. These do tend to be covered, but the amount of coverage and reimbursement is extremely variable. For example, some insurance companies may consider the age of your roof when they calculate how much they will cover. If your roof is older, perhaps more than 10 years old, you might receive less coverage, whereas a roof that is less than 10 years old could receive a lot of coverage, and potentially even the full amount required to repair the damage.

Other companies might take the depreciated value of your roof into account, and only reimburse you that exact amount. Still others might offer full coverage for the damage, no matter the age of the roof, old or new.

As you begin the process, your insurance company will probably send out a claims inspector who will confirm that there is legitimate damage, and then perform a thorough inspection. This is another reason why it’s important to have regular maintenance. If the inspector finds that the roof was damaged because it is worn out or in generally bad condition, your claim may be denied, because what you really needed to do was perform some regular maintenance.

You’ll also want to ask about water damage resulting from roof leaks. This is because many insurance companies require you to take out a separate policy for your home to cover water damage and flooding specifically.

Take regular “before” photos of your house. That way, you’ll have evidence of its condition before any damage occurs. And be sure to work with a reputable company for your maintenance and roof repair in Salt Lake City, UT. For more information, get in touch with Stubbs Roofing, Inc. today!

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