Has your roof seen better days? Perhaps it contains considerable damage or deterioration? Then it’s time for a roof replacement, but installing a new roof requires a considerable investment. That’s where your homeowner’s insurance policy comes in. Depending on the circumstances surrounding your damaged roof, your insurance policy may be willing to cover the replacement. Curious what you need to do to save money on your new roof? The experts at Keyprime Roofing explain how to get your insurance to foot the bill below.
Review Your Policy
Before you do anything else, take a look at your homeowner’s insurance policy to determine whether your particular situation is covered. Because a roof is a critical protective structure, you should find further details about what’s covered in the dwelling coverage section of your policy. If your roof was damaged through no fault of your own, your insurance should cover the cost of a roof replacement.
Assess the Roof and the Extent of the Damage
Not all forms of roof damage necessitate a roof replacement, and if you can successfully repair the roof without risking further damage, that may be a preferable option. To determine the severity of the damage and whether your roof requires repairs or a complete replacement, start by performing a visual inspection. Look for the following issues:
● Darkened or sagging areas on the roof, which indicate water damage
● Cracked, missing, or otherwise damaged shingles or tiles
● Damaged or missing flashings
● Fungal growths that may indicate the presence of water damage or even mold
Regardless of the type of damage you find, be sure to document it with photos. Your insurance company will need proof of the current state of the roof, so take photos of anything unusual you encounter.
If you don’t feel comfortable performing a visual inspection or you aren’t sure what to look for, contact a reputable roofing company to schedule a roof inspection. As part of the inspection, a roofer can also provide you an estimate for the projected cost of installing a roof replacement. If you want your insurance company to pay for the new roof, they’ll require estimates too.
Talk to Your Insurance Agent About Your Options
Most insurance companies require homeowners to file claims within a specified period of time after the damage occurred. If you fail to file your claim according to the insurer’s requirements, your new roof won’t be covered. That’s why speaking with your insurance representative as early as possible is always the best course of action.
Inquire about the requirements for filing roof replacement claims and of course, ask about what your specific policy covers. Your agent will be able to inform you whether your policy extends coverage for the full cost of a replacement, or if it only covers the depreciated value of your existing roof. If the latter is true, you’ll be on the hook for the remainder of the replacement costs.
Get Estimates From Reputable Roofing Companies
Before you submit a roof claim to your insurance company, make sure you get replacement estimates from at least three reputable roofing contractors. Insurance companies require estimates so they can determine how much money they’re willing to issue. More importantly, you need estimates to figure out which company you feel comfortable working with.
File Your Insurance Claim
If you and your insurance representative decide that filing a claim is your best option, you’ll need to submit the required documentation to start your claim. Make sure you send the following items to expedite the processing of your claim and avoid a denial:
● Estimates from each roofing company you contacted
● Photos of your roof before it incurred damage
● Photos of your roof after it incurred damage
● If possible, news articles discussing the event that damaged your roof
After you successfully submit all required documentation and file your claim, your insurer will send an adjuster out to evaluate your roof. After completing a roof assessment, the adjuster will determine the appropriate cost of replacing the roof, and your insurer will proceed with processing the claim and issuing funds.
Need Roof Replacement or Repair in the Twin Cities? Contact Keyprime Roofing
If your roof requires repairs or a complete replacement, contact our team at Keyprime Roofing today. We specialize in performing a wide variety of home renovations, including roofing, siding, windows, doors, gutter, and more. It’s our goal to deliver lasting, added value to your home, and your complete satisfaction is our number one priority. To request a free estimate or learn more about our services, call our Golden Valley, MN office today at 952-426-0132 or send us a message, and we’ll be in touch.