Can I make an insurance claim for my roof damage? Louisiana Roof Crafters is here to answer your question.
When a homeowner discovers a leaky roof, this is the first question that comes to mind. When you are flush with wealth, roof leaks are somewhat unusual. The consensus is that they occur at the most inopportune moments. We don’t know why that is!
Most people do not have the money to pay for a costly roof repair. So, it is crucial to understand your insurance coverage.
Below, you will discover how to file an insurance claim and what your policy covers.
7 Questions to Ask Before Filing a Roof Insurance Claim.
Yes, that’s the quick answer. However, insurance is not always that straightforward. Here are a few things to consider.
What or Who Is to Blame for the Damage?
You cannot file a claim for a leaky roof if carelessness, poor maintenance, or faulty craftsmanship caused the leakage. Instead, you can file a claim if a natural disaster or a fire caused the damage.
In the end, it all comes down to the fine print of your policy. Therefore, before finalizing your insurance contract, make sure to go through each word carefully.
Does Insurance Not Cover Any Type of Natural Disaster?
Most insurance providers have a list of situations in which they do not accept claims. Hailstorms may be frequent in your region of residence. However, you may need to agree with your insurance provider for additional hail damage coverage.
Typically, most insurance plans do not cover natural disaster-related roof damage, or it is subject to a hefty deductible.
How Much Do Roof Repairs and Replacements Cost?
As soon as you discover a leak in your roof, call a roofing professional. He can give you a written estimate for the repairs or roof replacement.
The cost of repair is less than your deductible. Thus, the insurance company may deny your claim if the repair is less expensive. Before making a claim, always have a licensed roofing contractor do an onsite assessment and estimate the repair costs.
Do You Know the Age of Your Roof?
Most insurance plans will not pay for damage to roofs older than 20 years.
So, what is the lifetime of your roof? Is it past its sell-by date? If you are not sure whether you need a new roof, consult a reputable roofing contractor. Your insurance may not pay for damage to a roof that is past its useful life.
My Roof Is Leaking. Can I Still Get Compensation from My Insurance Company?
An insurance claim may seem like a less expensive option than having to pay for a costly roof repair. Yet, keep in mind that filing a claim with your homeowner’s insurance company may cause your house to be classified as a “high risk.” Because of prior claims, you may even have to pay more for your current insurance policy.
Therefore, check your deductible before submitting a claim.
Will Roof Leaks Be Covered?
Commercial and residential property owners have insurance alternatives. If you have a particular form of policy, you can claim all non-intentional roofing damage.
Broad-form policies exclude roof leak scenarios. But you can still claim insurance if a leak damages your property inside. Basic policies may not cover interior damage. So, to find out which insurance you have, ask your insurer.
Can I Make an Insurance Claim for My Roof Damage?
Check the leak’s cause, get an estimate of expenses, and read your insurance policy. You or your roofer should also take pictures of the damage. These photos will show how much of the roof needs repairs or whether a replacement is necessary.
Should I Claim My Roof Leak on Insurance?
Before submitting a claim, inspect your roof’s condition to determine why it is leaking. This will help with homeowner’s insurance.
Preventative maintenance is critical in this case. If inadequate upkeep, poor installation, or incorrect repairs caused the damage, your insurance provider will most likely refuse your claim.
This is not something we want to happen!
Thus, you can choose a roofer experienced in handling insurance claims. They can help with any paperwork and filing.
The Louisiana Roof Crafters team has been working on leaky roofs for over 30 years. So, we have dealt with a wide range of insurance concerns.
Are you still unsure if you can make a roof leak claim? Call Louisiana Roof Crafters at 985-238-4575 for more information. We service areas in Baton Rouge, Denham Springs, Hammond, Covington, Mandeville, Slidell, and New Orleans, LA.