For the most part, yes. Most homeowner insurance policies cover debris removal, and we here at Best Choice Roofing provide free roof inspections.
The cost of repairing a roof or replacing the entire roof varies. Factors include the square footage, complexity of structure’s design, and the materials that are required for services. However, if your roof has experienced damage because of a storm, your insurance company may cover the repairs or replacement.
The average cost of a repair service can cost anywhere between a few hundred dollars and a few thousand. Your typical roof replacement is anywhere from $7,000 to $21,000. If you have any damage by unavoidable weather events, your insurance coverage may cover the repair or replacement.
Also, no matter how much damage occurs, your deductible may not increase. Typically, our customers can expect to pay a deductible of $500 to $1,000. This is based entirely upon your insurance policy. Once this is paid by you, the remainder is paid by your insurance company.
When one of our storm experts identifies roof damage, we recommend fixing it immediately. Not resolving roof damage could result in further problems in your home. This means your home’s exterior, and interior, will require more work – costing you more money in the future.
Again, if a storm inflicts damage to your home, your insurance may cover it.
Important note: Unfortunately, your insurance likely does not cover damage in direct result of a previous roofing company’s incorrect installation(s). However, we can identify these kinds of mistakes. You will not have these types of issues with us. We pay close attention to detail and our production teams manage roof repairs throughout the entire process.
Most roofs last between 15-20 years, and many more are lasting longer because of quality products, innovation, and excellent installation craftsmanship. However, that is not to say you should not consider the current wellbeing of your own home.
How old is your roof? Are you completely confident in its upkeep or status?
It’s very possible your roof could have more wear and tear than normal and need an immediate repair or replacement. Constant exposure to the sun, excessive rainfall, damaging winter storms and severe storms may have inflicted just enough damage for you to rethink the quality of your roof. Just because you don’t see the damage from the ground does not mean your roof isn’t compromised.
If the insurance adjuster confirms your roof has damage by storms, your insurance carrier will determine the amount and price of a roof repair/replacement. Minimal damage could result in larger repairs and replacement. Note, your insurance company will not just cover old roofs, but, out of service materials on your home could be eligible for replacement.
For instance, just because you own a 10-year-old vehicle, does not mean the maker will replace it with the newest model. BUT, if there is a recall, the maker will replace the part(s) for your safety.
DEFINITION: Storm Damage is damage to your roof (or home exterior) that occurs by unavoidable weathering circumstances, which may then be coverable under your insurance policy. In many states, these types of damages will NOT increase your deductible. For example, storm damage could be hail, wind, or debris damage.
Damage Not Covered
If the insurance adjuster disagrees with our roofing expert that there is not enough damage, we still can offer fair replacement services cost and can even offer you financing options.
For instance, longevity forestry damage to your roof is an example of negligence, versus a severe storm forcing a tree or large limb to fall on your home. ANY storm damage to your home is technically insured.
DEFINITION: At Fault Claims are damages to a roof or home that are either done directly by homeowner or occur because of negligence. For example, homeowner clogs sink or toilet and home.