What Types of Home and Roof Damage Does Insurance Cover?

June 28, 2017 11:06 pm Published by Navigating the insurance claims process can be a daunting task, especially after suffering from a weather event. If you have been the victim of hail, tornado or general storm damage, you may have several questions about how you can use your insurance policy to obtain roofing services in Kansas City, MO. How do I know what my insurance policy covers? The best way to learn about your individual policy is to contact your insurance provider. While payout terms vary from plan to plan, most companies offer similar standards of coverage. The majority of homeowner insurance policies will cover roof damage caused by unpreventable tragedies, such as vandalism, fire or “acts of nature,” including tornadoes and hurricanes. Damage caused by hailstorms and other severe weather events is also covered by many policies. If your roof is older than 10 years, however, your insurance company may only pay out the value of the depreciated roof, rather than covering the full cost of replacement incurred by the weather event. If your roof has been damaged by surface water or flood conditions, there is a possibility that your homeowner insurance policy will not cover the costs incurred by the damage. In this case, you should reach out to your flood insurance provider. What kinds of preventative measures can I take? It’s important to be prepared for the potential for roofing damage throughout the year. It is advisable to take regular photographs of your roof and save digital copies of all the documentation regarding your insurance policy and any roofing maintenance that you have had performed. This will typically result in the insurance company providing a more accurate assessment and payout of the cost of damages incurred by a weather event. Ensuring that your roof is up-to-date can help you to obtain a more accurate insurance payment, and regular roofing maintenance will minimize the damage incurred by storms and other weather events. You can also prepare the area around your home by clearing any potentially dangerous tree branches or other damaging debris. Insurance companies will almost always send an inspector to examine your roof and verify your claim. Prior to filing a claim, obtaining a repair cost estimate from a provider of roofing services in Kansas City, MO can be helpful as you navigate the process of securing an insurance payout. How should I choose a contractor? Selecting contractors who have experience working with insurance companies is important. Many roofing service providers will offer a free inspection of your roof and offer service cost estimates that you can use while beginning your insurance claim. Resolving storm damage as quickly as possible can reduce the overall costs incurred. Damage that is not immediately repaired can often spread or exacerbate other structural problems that your home may be facing. When choosing a contractor, reach out to a service provider who can attend to the needs of your house as promptly as possible. Liberty Roofing Inc. has been one of the premier providers of roofing services in Kansas City, MO for nearly 15 years. Call today to schedule an inspection of your home, and learn about how you can make the most of your insurance claim payout.

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