If your home has suffered damage and requires a new roof, you may be looking at your insurance for help.
Generally speaking, a typical policy will cover personal items, detached property, like a shed or detached garage, and the structure of your house, including the roof.
Today, we’re answering commonly asked questions about your policy and how it pertains to your roof.
Continue reading to learn more about insurance and your roof.
The Relationship Between Your Insurance and Roof
In short, yes and no.
Yes, a standard insurance policy will cover the cost of repairs and replacement if your roof becomes damaged. However, it’s important to read the small print on your policy. Many policies will only cover your roof if it’s damaged because of a sudden accident or act of nature, such as a storm.
However, in some cases, insurance will not pay for a new roof. Problems born from general wear and tear or a roof that has gone beyond its intended lifespan fall on the shoulders of the homeowner and are not eligible for insurance coverage or reimbursement.
How Does Roof Coverage Work?
Your roof is exposed to intense elements every day. Depending on where you live and the weather your area experiences, your home can be exposed to extreme heat and sun rays, ice, hail, and snowstorms, intense winds such as tornadoes and hurricanes, and more. Each of these types of weather can wreak havoc on your roof and can cause significant destruction. When your roof is damaged by a natural event, like flying debris, your home will likely qualify for a complete or partial replacement. After one of these events and depending on your policy, you’ll need to meet your deductible before coverage can kick in.
It’s essential to check your policy for high-risk states’ rules, restrictions, and exceptions. For example, if your home is in a high-risk area for flooding, you may be required to meet a higher deductible or may even need to purchase additional coverage or an entirely separate policy.
How Do I Get Reimbursed By My Insurance?
The instant your roof becomes damaged, contact your insurance company so that they can send an adjuster out to your house for an inspection and to assess the damage. Gather all necessary documents like your policy information, inspection reports, photos of the damaged areas, and anything else that will be useful in the claims process.
We suggest taking pictures of your undamaged roof now, in its current condition, so that if your roof becomes damaged, you have “before” photos to work with, which will help the process be smoother.
Contact We Do Roofing SLC Today!
Does your home need a new roof? Call We Do Roofing SLC, the respected roofer in Salt Lake City! With over 20 years of experience, our licensed and insured professionals will provide expert roof repairs, re-roofing, and new construction roofs for both residential and commercial customers. We proudly serve Salt Lake City, Tooele, Ogden, Layton, Brigham City, Bountiful, and everywhere in between in Utah. Contact us for your quick quote today!