Atlanta Roofing – Home improvement projects, especially roof repairs or replacement, are costly so finding out your roof needs to be replaced due to damage or it is worn out due to old age can be quite disconcerting. On the other hand if you have insurance to cover the repair or replacement, filing an insurance claim, dealing with adjusters and ensuring you will get reimbursed for all covered damages can be a gruesome task. On top of that, many homeowners are not sure how to proceed when filing a claim, the parts of the process that can be problematic and what documents they need to prepare.
Home insurance companies consider our roof as the most important part of the house since it is a doorway to far bigger damage claims. According to the Insurance Institute for Business and Home Safety, about 90 per cent or more of hail and high-wind claims has a payout related to roof cover. Since claims mean loss of money or revenue to insurance companies they are very careful when reviewing roofing claims and they are expecting claimants to provide proper and necessary documentation and other needed information in order to process and approve claims.
It is also the best idea to have a license Atlanta roofing contractor by your side through the process as they know exactly how to ensure your Atlanta roofing insurance company pays for roof repairs or replacement
In order for insurance claims to be processed and approved what do we have to do?
There are different types of coverage insurance companies’ offer. Some take into account the age of the roof at the time it was damaged. If your roof was installed less than 10 years ago you are entitled to get a full coverage for the cost or repair or replacement of the damaged section of your roof when you file a claim. On the other hand, if your roof is more than 10 years old, you are only entitled to get a reimbursement for the depreciated value of the roof that got damaged.
Other policies do not take into consideration the age of the roof, meaning you will get reimbursed for the depreciated value of your roof no matter that it is less than10 years old. However, no matter what type of coverage your insurance policy has one thing is for sure, if the inspector sent by the insurance company determines that the cause of damage is due to aging or poor maintenance then you will not be covered under your policy.