How To Get Your Insurance Company To Pay For Your Roof
“Roof replacement” are two high-stress words. If you just experienced enough damage to your home to warrant a roof replacement, we are here to keep things as simple as possible. At Cowtown Roofing, not only do we care about excellence in our work, we want to provide you with any tools we have to make your life easier during this time.
The Clock Is Ticking!
Insurance claims are time sensitive. You need to fully investigate your damage now rather than later. To know the extent of the damage you should call a roofing contractor immediately. Even if you are not sure you need a roof replacement, this is a time-sensitive process and it is better to be safe than sorry. The contractor can inspect your residential or commercial roof and inform you of exactly what needs to happen to keep your building sound and safe.
For your roof repair or replacement to be fully covered, you need to follow your insurance policy’s timeline. If you wait too long, you may not be covered and will be stuck with the bill. This is because more damage can occur the longer you wait, so insurance companies are not willing to cover all your damage if you wait too long.
Just like any other insurance claim, you need to document all damage. You need all receipts and deeds in order to prove your ownership. Your contractor should document all damage during their inspection. Your insurance provider will also need a price estimate for roof repair or installation. Your roofing contractor will provide you with this estimate to report back to your insurance company. Keep a record of the entire process. Take pictures of the damage and keep files of all communication with your insurance provider.
You may need to do some emergency repairs to your home before your insurance claim is finished. You can follow through with necessary repairs, but need to keep all receipts so that you can have them covered by your insurance afterward. It’s smart to have photos of your home during the whole process. Label all photos with the date and time. Make sure any written documents are also emailed to you from your insurance provider.
Know What Your Policy Covers
Make sure you know what your insurance policy covers. Call your insurance company and find out what kind of damage you can get covered for. Be sure to document this process as well. You never know when you’ll need to refer back to something that was told to you. Remember to call your insurance provider immediately, if you take to long you may lose out on a lot of insurance coverage. The insurance company will send an adjuster out to inspect your damage. After this, you should soon know how much you are covered for.
Age of your roof and what caused the damage may affect your coverage. Your insurance company will look at the depreciated value of your roof that occurs over time. This means that the older your roof, the less money you may get from your insurance company.
If your roof is over 10 years old, you may not have all damage covered by your insurance company. If you have a newer roof under 10 years old, you are more likely to have all damage covered by your insurance company, even if it is extreme damage. Luckily prorated payments on old roofs are also common. This means that you can pay for your roof through monthly payments.
You may be currently stressed about what you think you know about your insurance policy. Perhaps you think you are only entitled to coverage of 1% of the damage that just happened to your roof. Know that the deductible percentage that you agreed to on your homeowner’s insurance relates to the value of your home and not the damage on your roof. This is a common misconception that we’d like to clear up for you. Be sure to call your insurance company for a full explanation from your specific company as well.
For example, if your home is valued at $150,000 and you agreed to a 1% wind and hail deductible, you would get 1% of the $150,000. It doesn’t matter if the repair for your roof costs $15,000 or $20,000, the percentage is based on your home cost.
Choose An Experienced Contractor
During this process, you’ll want a roofing contractor that knows the process and will do a great job giving you a new roof. If you are in the Arlington, Texas area, Cowtown Roofing is your one stop for all your roofing needs. We have 20 plus years of roofing experience and have dealt with many roof installation situations. We will thoroughly be able to inspect your roofing situation and properly document your damage without any trouble.
If you are not in the Arlington area, be sure to look for a roofing contractor that has experience in situations similar to yours. A roof installation can be difficult to get your insurance to fully cover. You want to have proper documentation of the damage that occurred to your home. You will also want an accurate price estimate that isn’t going to change on you when it comes time to install or repair your roof. Knowing what is emergency work is also important. You want to make sure your roofing contractor has the experience to know what work needs to occur immediately to keep from more damage happening to your home or business.
Make sure you know what you are agreeing to. A long contract that is difficult to understand may have hidden fees inside all of that extra language. If the company you choose to inspect your house is especially pushy and intense about you signing your contract on the spot, be wary. You need to make sure you aren’t agreeing to any outlandish extra fees.
At Cowtown Roofing you won’t need to worry about being tricked. We understand that you need to take time to understand what you are agreeing to. In the Arlington area, we have built a trustworthy reputation by our 20 years of reliable service to our customers.
Doesn’t Matter What Your Damage Is
It doesn’t matter if you have tornado damage or hail damage, follow our rules above to successfully file your claim to your insurance provider. Be sure to choose an experienced contractor, such as Cowtown Roofing, to help you during this stressful time. Not only are we easy to work with due to our experience, but we also are best able to get your home or business back to a beautiful state that you can be proud of.