Roof Damage That MIGHT Be Covered Under Insurance

How do you know what is covered under your insurance? Your insurance policy might be extensive. When it comes to the roof, there are all sorts of situations that may or may not be covered. Knowing the ins and outs of your insurance policy is going to be vital to having repairs or a roof replacement paid out. You'll also want to know how much the deductible will be. Some homeowners have a lower deductible, while others have a higher deductible. Typically, the lower the deductible, the more money you'll pay each month for your insurance policy.

Blown off Shingles

Are you dealing with shingles that have blown off? This could have been from severe storms, heavy winds, or even poor installation of your roof. Luckily, shingles that have blown away are an easy fix in most cases. Though it will depend on where they are located and how many are missing, your roofing contractor could recommend a replacement.

Bowing

Your insurance might cover your roof if it is bowing. The Roof Guys mention, “Moisture is the most common cause of buckling and curling. It can be the result of moisture absorbed in the roof decking during the roof replacement process prior to the installation of your new roof. Unwanted moisture can cause the decking to shift and the shingles to buckle.” Bowing and sagging can be serious and dangerous. Don’t let these continue; seek the help of a professional.

Leaks

Roofing leaks occur from age and storm damage, or one or the other. In most cases, your roofer will recommend repairs as this is the most affordable option to stop the leaks from causing more damage. Your insurance will likely pay for these repairs sans your deductible. Leaks can vary from minor to major. Having several leaks can be happy, especially with a serious storm.

Hail

Has a hail storm affected your home? Did you get a pinging and now see water collecting inside your home or on the ceiling? There are several places where you might notice water leaks, and hail is usually a contributing factor. We recommend that if you’ve had a hail storm contact your insurance company to get the adjuster.

A Total Roof Replacement?

Should your roofing round rock company find that your roof exceeds damage where repairs make sense, they will recommend replacement. The good news is that if you are insured and replacement is needed, you could get a whole new roof for whatever your deductible is.