Things to Consider when Making a Roof Repair Insurance Claim
Needing a roof repair can be an immensely stressful time for you and your family. Not only can the cost of a roof repair be extremely high. But the damage to your roof can affect your day to day living as you may have to avoid certain areas of your house because of the damage to your roof.
For this reason, it is imperative to get your roof repaired as soon as possible. Fortunately, it some cases insurance companies can help you with meeting the costs of repairing your roof. However, several things need to be considered by the insurance company before they accept your claim.
The Amount of Insurance Coverage Provided for Repairs
Occasionally there will be full coverage for roof repairs provided in an insurance policy. However, this is not a common occurrence. In most cases an insurance policy only covers part of the repair costs.
The circumstances in which full coverage would be provided are:
• Your roof is brand new or in excellent condition.
• The specific cause of the damage was written into your insurance policy. For example, Storm Damage.
Will your insurance company cover the costs of a new roof?
It is important to know whether your insurance company would cover the costs of a new roof or a full roof replacement.
Whether your insurer will do this will depend upon the extent of the damage which your roof has suffered.
For the insurance company to cover the costs of a new roof it will have to be proven a new roof is needed and the damage to your roof cannot be fixed by roof repairs alone. Another reason the insurance company may cover a new roof is if the cost of a new roof installation is less than the cost of repairing every damaged area on your roof.
Provide your Insurance Company with an Estimate for the Repairs
When you go file an insurance claim for your roof repair you will need to provide an estimation of the cost to repair the damage to your roof. To do this you will need to get in touch with a Roofing company. If you are looking for a No.1 roofing contractor in Edinburgh to provide an insurance estimate we are happy to help just click here or call 0131 555 5121.
A large amount of roofing contractors will provide you with an insurance estimate free of charge. Most reputable roofers will be happy to advise you and help you with any questions you have about your claim.
How Insurance Companies Make their Decision About your Roof
These are the things an insurance company will look at when they decide whether they believe your claim is valid or not:
• What Caused the Damage to your Roof
• The Age of your Roof
• The Condition your Roof was in before the Damage
What Caused the Damage to your Roof
The cause of the damage is the factor that is weighted most heavily when the insurance company assesses a roofing claim. If the damage is from regular wear and tear the insurance company will not cover you.
However, if the damage was caused by an unexpected event such as vandalism, extreme weather, or an unexpected fire. It is worth asking your insurance company if you are covered.
This will vary on a policy by policy basis. Therefore, it is important to check each policy before you purchase your roofing insurance to understand in what situations your roof is covered.
The Age of your Roof
The age of your roof will be a determining factor in calculating the damage. An older roof in need of repair will be considered to have less damage in terms of cost as opposed to a new roof. Any roof under 10 years old is normally considered relatively new.
The Condition your Roof was in before the Damage
The better the condition your roof was in before the damage the more insurance coverage you will receive. This is because the value of the damage to your roof will be higher. It is always a good idea to get a roof survey once a year. The reason for this is twofold:
• It helps keep your roof in condition and increases its longevity.
• It provides proof of your roof’s condition if you need to make claim.
We hope you have found this information about claiming with your insurance for roof damage useful. If you have any questions please do not hesitate to get in touch!