Can you claim roof repair on insurance? This is one of the questions that immediately come to mind when a homeowner realizes that their roof is damaged. Indeed, roof repairs can be quite costly especially if a full replacement is necessary.
The short answer to this question would be both yes and no. There are factors that need to be considered in order to determine whether your homeowners insurance policy will cover the costs of roof repair.
Does Homeowners Insurance Cover Roof Repairs? Factors to Consider.
The first step you would have to take to find out whether your insurance company will cover costs of roof repairs or replacement is by reviewing your policy. You may also reach out to the insurance company and ask them directly. This is the best and easiest way to find out.
Also, find out the number of years covered by the insurance policy. For instance, most insurers would not cover damage or replacement costs for roofs exceeding 20 years old.
More often than not, your insurance company will cover roof repairs or even replacement if damages were the result of acts of nature or an accidental event. As the homeowner, it is your responsibility to maintain your roof. Therefore, acts of neglect are usually not covered by your insurance policy.
Sometimes, roof replacement can possibly be covered by your insurance company when some materials of your roof are not available during repair. For example, if the same asphalt shingles or roof tiles are not available, it might be possible to just replace the entire roof and your insurance company will pay for it.
Make sure that you are calling a licensed roof contractor for roof inspection and maintenance. They can also recommend whether it would be best to repair or replace the roof. Take before and after photos and keep all records of repairs and maintenance. You will need these when filing a claim from your insurance company.
Contact Us for Expert and Affordable Roof Repairs in Bethlehem, GA
Can you claim roof repair on insurance? Possibly. Check out the considerations we have listed above. Whether or not your insurance company will be covering the costs of roof repairs, you can rely on professional yet affordable roof repair services from Roofing and Remodeling Plus. We are available in Bethlehem, Monroe, Lawrenceville, Loganville, Athens, and surrounding communities. Call 770-670-4500 for a free quote today!