Facing an unexpected roof repair can be stressful for any homeowner. From roof leaks to missing or damaged shingles, and everything in-between, roofing repairs can sometimes be costly. Fortunately, if you need a roof repair and have a homeowners insurance policy, there is always a chance that your policy could cover some or all of the costs of your roofing repair!
When Your Roof Repair Might Be Covered
There are many situations in which roof repairs and even roof replacement could be covered by a homeowners insurance policy. One of the most common types of repairs often covered by insurance is damage caused by wind or hail storms. When inclement weather causes damage to your roof's shingles, you should be able to get reimbursed for the repairs. If your home's roof is damaged in a house fire or other covered incident, your roof repairs or replacement should also be covered, minus any deductible you may have on your policy.
Specific coverage can vary greatly from one insurance company and policy to the next, so be sure to take a look at your specific policy documents to determine your coverage—and don't hesitate to call your agent if you need further assistance!
What You Need to Know about the Process
If you think your roof repairs may be covered by your home insurance policy, there are a few things you need to know. For starters, you'll need to act quickly in filing a claim with your insurance; otherwise, you may have a harder time proving that the damage to your roof was caused by a covered incident. Having plenty of documentation, including photos of the damage, if possible, can also help when it comes to processing and approving your claim.
Most insurance companies allow you to choose the roofing repair company you wish to work with for your repairs, but other companies may require you to use one of their approved contractors. Make sure to follow your insurance company's requirements here. In some cases, you may also need to provide a written estimate for repairs from your roofer and submit it for reimbursement. Some roofing companies may actually handle this for you.
Hopefully, you'll never be in a situation where you need unexpected roofing repairs. If you are, however, be sure to check with your homeowners insurance policy and follow the necessary steps for filing a claim. Doing so could save you big time!