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It’s easy to assume that your homeowner’s insurance will save you thousands of dollars on repairs when a storm hits your property. Insurance, however, isn’t an easy solution to all of your problems, and you need to avoid common mistakes when you’re filing a roof insurance claim.
In this post, we share things to keep in mind when you’re filing a residential roofing insurance claim.
Insurance Policy Exclusions
One of the most common mistakes is overlooking policy exclusions. Some insurance claims purposely leave out certain items and repairs from the coverage. Keep in mind that they’re not exactly doing this to be malevolent; it’s just an extra safety precaution to protect themselves from fraud as there are a lot of roofing scammers out there. These exclusions aren’t obvious from the outset, so you need to be diligent when reading the fine print.
Improper maintenance is the most commonly excluded item in the insurance. This is implicit in the contract since continuing maintenance is the homeowner’s responsibility. If your insurance determines that the damage was due to improper maintenance, you have to pay for that part of the roof repair project.
Roofs Past Their Prime
Most insurance companies don’t cover repairs for a roof that’s old and near replacement. As a general rule, most residential roofs have a 20-year life span. Once the roof exceeds that, you might want to start thinking of getting a replacement, even if the roof was damaged by a storm.
Repair or Replacement
Finally, it’s important to remember that your insurance company might only cover roof repairs, but not a complete residential roof replacement. While missing or torn-off shingles are usually covered, the insurance company typically doesn’t cover when the roof is damaged enough to require a replacement.
At Crown Roofing LTD., we can help you with your roof insurance claims. Call us today at (604) 210-6655 to learn more about our services. We offer complete residential roofing services in Surrey and North Vancouver.
