When you own a house, you take on the risk of your home suffering major damage from a series of natural disasters. These include severe hail, tornado, fire, or even a lightning strike. Unfortunately, the part of your property which is likely to suffer the most is your roof. Even worse, having to replace a roof can be incredibly taxing, both financially and mentally.
Roof Replacements Aren’t Cheap
Since roof replacement is such an expensive investment, most people are unable to afford such an expense out of pocket. Securing a loan from a bank to fund the project can be difficult to impossible. You can try collecting on homeowners or building insurance. However, insurance companies will likely try to avoid having to pay your roof insurance claims, even if the damage is a result of no fault of your own.
With this in mind, Gotcha Covered Contracting takes a closer look at how to get your insurance company to pay for a new roof.
Be Able to Prove Damages
Unfortunately, we live in a world of dishonest people, which is often why insurance companies are reluctant to shell out cash for claims. However, if you can conclusively demonstrate the damage done to your home and show what it looked like before, then you’ve made collecting much easier.
When it comes to how to get roofs replaced with insurance, documentation is key. Proving damages when it comes to your roof can be done by simply taking before pictures of your roof. Take photos of the damage immediately after the storm or other events. If the damage was caused by a fire, you might also want to get a copy of the report that you filed with the fire department and police.
Once you’ve got documentation in-hand, report your claim to the insurance company immediately. The longer you wait to submit these documents, the less likely your claim will be approved.
Know the Details of Your Policy and Your Home’s Value
Most insurance policies that are a decade old or younger provide full coverage for any roof repair. After that, the amount you may be able to collect might be lower than average. That said, individual policies vary greatly between insurance firms.
Furthermore, just as insurance policies reduce the level of compensation provided to the insured overtime, so too does the value of certain forms of property. Homes are generally thought to be an asset which consistently appreciates. That said, housing, like nearly every other asset, does depreciate with time.
This will impact the amount of money that your home is insured for and how much money you can collect to have your roof repaired. For this reason, you should be sure to know what your policy is. If you are unsatisfied with it, you might want to consider shopping around for a better one.
Now That You’ve Got The Payment – Who Should Do The Repairs?
Now that you know how to get your insurance company to pay for a new roof, you’re going to need competent professionals who know how to carry out the job. The team at Gotcha Covered Contracting has years of experience serving those with a variety of roofing needs. We cover individual homeowners as well as major businesses located throughout the Midwest and South.
So, if you or someone you know needs a roof replacement and wants to get the best in quality at an affordable price, then contact us at (724) 581-8147. We’ll inspect the roof and explain our process to help you get through this unfortunate time.