Homeowners insurance is essential when you own a home, whether it’s newly built or has been in your family for generations. When shopping for home insurance, you want to make sure to find one that covers roof repair and roof replacements. While no one hopes for roof damage to happen, it’s always a possibility, especially in areas like Houston where the weather can be extreme. Here’s what you need to know about making roof repair insurance claims.
It’s a Several-Step Process
Making an insurance claim involves calling the insurance company, finding a reputable roofing company, getting quotes, sending those quotes in for approval and ultimately, scheduling the roof repair. With multiple parties involved, the steps may vary, but this is essentially what an insurance process looks like. If you’re not on top of it, this is a process that can take a very long time.
Coverage Can Vary
Homeowners insurance policies have different levels of coverage for roof damage. Most plans offer some coverage, but some don’t offer any at all. The two most common types of coverage are repair coverage and replacement coverage. Repair coverage typically reimburses homeowners for a percentage of repair costs. Replacement coverage helps in the event that a roof is beyond repair. Read your insurance policy before calling the company so you can start the process prepared.
Damage Needs to Be Documented
There are a few important steps to documenting damage to your roof. First, you’ll want to take as many pictures as possible from above and below. Then, you need to write down the date when the damage occurred. The more information you have to back up your claim, the more likely you’ll be to get the repair or replacement covered. Keep in mind, you have a year from the date a major storm takes place to get your roof repaired or replaced.
They May Try to Underpay
Insurance companies typically ask you to get quotes from three different roofing companies before making a decision. They do this to give you the impression that a smaller quote is a better deal. However, it’s really a cost-saving measure for them. The smaller your quote, the less they have to pay. You want to make sure to get a repair or replacement that’s going to make your roof last. Going with a company that’s licensed, insured and focused on quality roof repair will be your best bet.
At Results Roofing, we know insurance about as well as we know roofing. We help customers navigate their insurance claims to get repairs done quickly and without all the typical hassle. In need of a roof repair in Houston or the surrounding areas? Give Results Roofing a call at 214-505-1442 or contact us online.