What Kind of Roof Damage Will My Insurance Cover?

While it may seem like the obvious choice to cater for all roof repairs or roof replacements is through filing an insurance claim, it may not always go as you’d hoped.

Here’s why:

A homeowner’s insurance policy often covers catastrophic roof damages that are purely not the homeowner’s fault and cannot in any way be linked back to you as the owner.

Some examples include:

• Roof damaged by severe weather that is harsh rains, hails and storms, and other natural disasters
• Accidental fires
• Falling trees, but not all – if you had an old overhanging tree over your roof, the insurance company will assume it’s out of neglect that the tree damaged your roof, so your claim may be denied.
• Damage to your home interior due to your roof being compromised – an example is if a hurricane messes your roof and further damages parts of your home, the insurance will cover that.
• And vandalism

Instances where the insurance company will not cover your roof damage are:

• In case it’s a pest damage
• Cosmetic damage
• Simple wear and tear
• Or any type of damage included under “exclusions” in the contract– this is a section found in your insurance policy, clearly explaining all types of incidents the company will not cover.

Because of these issues, we recommend you read your policy guidelines before you file for an insurance claim.

When you ignorantly apply for an insurance claim, the insurance company may decide you’re too big of a risk, and that’s the easiest way to get your insurance coverage terminated.

So, if you still need to verify if you should apply for a roofing insurance claim, you can talk to a roofing expert to carry out a roof inspection for an easy decision.

Contact SA Premier Roofing and Construction, LLC to Help With Your Roofing Insurance Claim

As a reliable roofing company, we deal with insurance claims daily, and we know how the whole process works. We’ll assess the extent of the damage before we recommend the best way to go.

Get in touch with us today if you want to know more about our services.

We’re proudly serving the community of San Antonio, TX, and the surrounding areas.

The post What Kind of Roof Damage Will My Insurance Cover? first appeared on SA Premier Roofing and Construction, LLC.

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