Now you might be asking: Will my insurance policy cover a new roof? Will it fully cover roof repair? Will the age and condition of my roof affect the insurance coverage? How can I file a claim for roof work?
Let us tackle your first question, “Will my insurance policy cover a new roof?” Insurance coverage of roof replacement depends greatly on the extent of the damage and what caused the damage. As much as possible, insurance companies go for less expensive and extensive repair measures and they opt for roof repair if it can fix the problem. On the other hand, if the sustained damage is too severe and caused by natural calamities like hail storm and strong wind, or something unexpected like fire or fallen tree, then most likely the insurance company will cover the full replacement so long as your roof is within warranty. But be prepared though that if your roof is older than its warranty, insurance may not pay or cover roof replacement.
For your next question, “Will it fully cover roof repair?” Ideally, insurance companies cover roof repair if the damage is brought on by natural disaster, unpreventable reasons or accidents. However, not all insurance policies are created equal. There are some policies that only cover the cost of roof repair that are stipulated or specifically in the contract, while some policies cover everything except for those types of damages explicitly excluded. For better understanding of your insurance policy, contact your insurance provider to get the exact information of your insurance coverage.
Now let us move on to your third question, “Will the age and condition of my roof affect the insurance coverage?” Insurance policies may outline certain age conditions and stipulations for roof repair and replacement. Say for example, you have been using the same roof for 10 years or more, the insurance company may allow you to get reimbursement for the depreciated value of your roof instead of its original cost. Moreover, the condition of the damaged roof is also taken into consideration; the more extensive and evident the damage and leaking is, the better you chance to prove the urgency of your need to get your roof repaired or replaced.
Finally, how do you file an insurance claim for roof work? Before you can file insurance claim, your first step is to contact an Atlanta roofing contractor to evaluate your roof and provide an estimate for the repair or replacement that needs to be done. It is highly advisable that you contact a reliable Atlanta roofing company that is knowledgeable and has vast experience in navigating their way through roof insurance claims process for you to have a better chance on getting your claim approved. Insurance companies as you know what to pay as little as possible to the policy holders claims, All American Roofing & Construction has built a relationship with the Atlanta roofing insurance providers over the past 10 years and we know how to get the maximum claim amount possible