Roofing damage insurance protects homeowners from getting caught off-guard by unexpected expenses due to storm damage and other roof-related issues. However, there are so many things involved in filing for insurance that it’s common for people to have questions about it. Today, our team of roofers answer the most commonly-asked questions about roofing insurance.
What Does Roofing Damage Insurance Cover?
This is a common question that doesn’t have a universal answer. This is because roofing damage insurance policies vary depending on your insurance provider. However, this is also the best reason to always check with your insurance provider about what types of roofing damage are actually covered by your insurance.
How Come I Only Got Part of the Money?
Even if your insurance claim gets approved, this doesn’t mean that you’ll get all the money necessary to fix your roof. According to our roof repair experts, you’ll only receive part of the funds at the beginning of the project, with the remainder of the cash being released when it’s finished. This is done partly to ensure that the money will actually be spent on the project, and also to ensure that you pay your deductible.
What If the Contractor Charges More than the Estimate?
There are cases where the contractor’s estimate is much higher than the amount the insurance company promises to cover. This often happens when the insurance provider misses a few things when looking into the extent of damage sustained by your roof. To avoid discrepancies like this, make sure that you provide as much information about the problem as possible.
What Should I Do if My Claim Is Declined?
There’s a small chance that your claim will get denied, but that shouldn’t be a reason to give up. If this happens, roof maintenance companies recommend talking with a public adjuster to get a second opinion and make adjustments to your claim to help build a stronger case for you, increasing your chances of having your claim approved.
If you need a roofer to help you with your damaged roof, we’re here to help. Affordable Roofing, Siding and Gutters is the leading window and roofing contractor in the area. You can call us at (423) 584-5600 or fill out this contact form to request a quote.