How Does Insurance Affect Your Roof Replacement Project?

How Does Insurance Affect Your Roof Replacement Project?

Your home is one of your most significant investments. Unfortunately, forces of nature can wipe it out in a matter of minutes. You want to make sure your homeowner’s insurance will pay for a new roof if a violent storm reaps it apart or a tree comes crashing down on it. Whether it’s an unfortunate accident, catastrophic weather event, theft, or vandalism, you want to have peace of mind knowing you’re covered when disaster strikes. Here is how insurance affects your roof replacement project.

Damage Happens

In many instances, your homeowner’s insurance will reimburse you for a new roof if it is destroyed by an extreme weather event such as a hailstorm, snowstorm, high winds, or lightning strike. However, your policy may not cover the cost of roof repair or replacement if the damage is caused by normal wear and tear.

Your Roofer Inspects the Damage

Whenever a storm damages your roof, be sure to call your roofing contractor as soon as possible to inspect the damage and determine whether repair or replacement is necessary. Your roofer will assess the extent of damage and issue a detailed estimate of how much it will cost to restore your roof. Your roofer will determine whether it makes sense to file an insurance claim depending on your policy deductible.

Calling Your Insurance Provider

If the cost of fixing your roof surpasses your policy deductible, your roofer will advise you to call your insurance provider as soon as possible to begin the claim process. Be sure to document the damage by taking clear pictures of your roof before any repairs are done. You will also need to put together documents such as previous inspection reports, a copy of the insurance policy, and receipts for any work done.

Your Roofer and Insurance Adjustor Meet Together

When the insurance adjuster arrives in your home to assess the damage, make sure your roofer is on site. The two will work together to ensure the approved reimbursement will adequately cover the cost of repairing or replacing your roof. 

Insurance Approves and Work Begins

As long as our insurance company determines a covered peril damaged your roof, they will approve your claim. Upon approval, you will need to pay your policy deductible before your insurer writes the first check to facilitate the commencement of work. Your roofer will then begin the job as soon as possible to prevent further water damage to your home. After the work is completed, you will pay your roofer.

Enjoy Your New Roof

Finally, you can enjoy your new roof, knowing it will serve you for years to come. Working with a trusted local roofer will ensure you get a warranty to protect you against premature failures. 

You should never put off roof repairs for too long since it can lead to more significant problems down the road. At Moss Roofing, we can help you file and process your roof repair or replacement claim in Indianapolis, IN. Contact us today for a free estimate of your roof restoration!

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