Home insurance is essential for any homeowner that wants to ensure that they’ve protected their property against accidental damage.
Whether it’s the weather or a freak accident, home insurance will cover a variety of disasters, but it doesn’t pay for everything.
At Big Bear Roofing, we have experience working with a wide range of insurance companies and even deal with them directly to save our clients’ time and effort.
We’ve noticed that many homeowners don’t understand what they can claim on their home insurance and what they can’t, which is why in this blog post we’re going to explore the roof repairs that your home insurance will cover.
What Roofing Services Does Home Insurance Usually Cover?
Every home insurance policy and insurance provider is different, and the level of cover you receive will depend on the plan you took out for your property.
In general, there are some services that home insurance will usually pay for, which include:
- Roof repairs or roof replacement if a storm damages your roof
- Accidental damage to your roof- i.e. if a tree falls onto it
- Lighting damage
- Damage caused by an explosion
- Damage that has been done to your roof by vandals or thieves
- Damage caused to your roof by the weight of excess snow, sleet or ice
What Won’t It Cover?
Again, every policy is unique, so you need to check the terms and conditions that you agreed to when you took out your home insurance coverage.
Usually, some services home insurance providers won’t pay for include:
- Damage inflicted by the homeowner or repairs that you should have hired a professional to complete
- Aesthetic changes, such as installing new shingles because you don’t like the color of the old ones
- Roof repairs or replacements that have occurred over time or due to poor roof maintenance
- Damage inflicted by your pets or a piece of equipment you’ve stored in your home
- Flood or fire damage, although this does depend on your provider. Some insurance companies allow you to add this onto your policy for an additional fee
How Do I Assess The Damage?
Finding out what caused the damage to your roof, and as such learning whether or not your insurance provider will pay to fix it, can be a challenge.
If a storm happened the night before, or your house has just gone up in flames, then the cause is apparent. However, for some small leaks and roofing damage, it can be tough to work out what caused the issue and whether or not you’ll be able to claim it against your home insurance policy.
If in doubt, the best approach is to contact professionals like ours, who will come to your home and assess the damage and let you know the probable cause.
We’ll be able to tell you how the issue came about, and whether you need your roof repairing, or if you should get it replaced.
Our friendly, dependable staff have experience working with residents across South Carolina on a wide range of properties and roof types, including metal roofs and shingles.
As such, you’ll be able to rest assured that you’re getting the best possible service when you collaborate with Big Bear Roofing.
How Can I Make A Claim?
When you find damage to your roof that you know is covered by your home insurance, you can contact your insurance company and provide them with the details.
You can then engage a professional roofing contractor like Big Bear Roofing, who can fix your roof and provide you with an invoice, which you can present to your home insurance company.
They will then pay you back, minus any excess that you might have to pay as part of your insurance policy.
Alternatively, when you work with us, you can get our team to talk to your insurance company directly, so you don’t need to deal with them at all.
If You’re Not Sure, Ask An Expert Roofer
After all, that, if you’re still not entirely confident that your home insurance will cover the cost of your roof repairs or replacement, then contact your provider.
They will be able to discuss the situation with you and work out if your policy covers the damage or if you need to pay for the work yourself.
Alternatively, you can contact us, and we’ll deal directly with your home insurance provider and talk to them about claiming the cost of your repairs.
You won’t need to worry about anything, as we’ll take care of all of it; from the initial contact to billing your insurance provider, so you can just wait and watch as we fix your roof and make your home safe and secure again.
For more information, or to speak to one of our expert team members, contact us for a free, no-obligation quote and advice on claiming the cost of your roof repair or roof replacement back from your insurance provider.