Should I use insurance to replace my roof in Fayetteville, NC?
If you have been thinking about replacing your home's roof you need to be able to tell them why they should cover the cost of a new roof replacement. It is important to understand your current policies and the type of coverages that are included. If your roof was recently damaged by a storm it will most likely be covered but if the damages are caused by the roof simply being old and broken the claim will most likely be denied. If your roof needs to be replaced simply because it is old then insurance companies have no obligation or reason to pay for the roof or roof repair. Most insurance companies include roofing damages inside their policies as long as the roof was in decent shape before the damage occurred such as hail, lightning, tornado, wind gusts etc. If none of the above damages have taken place at your home then repairing or replacing your roof will mostly likely fall directly onto your own shoulders.
It is important to understand what type of roof damages are covered inside of your claim so be sure to contact your agent. The majority of roof replacement claims come from wind damage, hail damage, or something falling onto the roof such as a tree branch or powerline. Certain insurances can vary on coverage, In some cases you may have to have a substantial amount of damage for your company to cover the entire cost or a roof replacement. If you have any questions about your current policy in regards to hail and wind damage be sure to contact an agent so they can go into the details regarding your policy, coverage and deductibles.
Homeowners insurance is a great thing to have at the home since roof replacement claims happen suddenly from a storm rather than over time. If you have homeowners insurance (which most people do) then it is always a good idea to use them whenever possible. If you don’t have homeowners insurance then a new roof will require you to pay for all the damages and costs to install new shingles and repair damages. If your roof was damaged in a storm and you forget to submit a claim for weeks or months after the damage occurred then your claim may get denied by the insurance provider because so much time has gone by since the storm. When you notice damage on the roof be sure to contact your insurance company as soon as you can and submit a claim in a timely manner.
It is important to understand what type of roof damages are covered inside of your claim so be sure to contact your agent. The majority of roof replacement claims come from wind damage, hail damage, or something falling onto the roof such as a tree branch or powerline. Certain insurances can vary on coverage, In some cases you may have to have a substantial amount of damage for your company to cover the entire cost or a roof replacement. If you have any questions about your current policy in regards to hail and wind damage be sure to contact an agent so they can go into the details regarding your policy, coverage and deductibles.
Homeowners insurance is a great thing to have at the home since roof replacement claims happen suddenly from a storm rather than over time. If you have homeowners insurance (which most people do) then it is always a good idea to use them whenever possible. If you don’t have homeowners insurance then a new roof will require you to pay for all the damages and costs to install new shingles and repair damages. If your roof was damaged in a storm and you forget to submit a claim for weeks or months after the damage occurred then your claim may get denied by the insurance provider because so much time has gone by since the storm. When you notice damage on the roof be sure to contact your insurance company as soon as you can and submit a claim in a timely manner.