Insurance has been a life saver in some situations. For example, during roof damages, the costs are usually a bit on the higher side. Having a cover that will cater for the expenses is crucial towards the repair or replacement.
Roof damage caused by strong winds or hurricanes is so devastating especially if it was unpredictable. The wreck that is left of the roof may be in such a state such that it may either have to be replaced or major repairs done. When you find yourself in such a situation, contact a company that offers roof damage solutions and respond on such short notice.
When looking for a service provider, many people seek to know if their homeowner insurance policies cover the roof damage expenses. It is advisable to get clarification from your insurance provider directly. However, below are some cases in which the insurance provider may cover the costs involved.
The Age of the Roof
Different roofs have different lifespans. During the time of damage, the insurance company may cover the costs if the roof had not yet exhausted its years in existence. The cover may cover all costs involved in the repair or a section of the cost depending on the particular type of cover you have. Most often roofs come with warranties. If the roof’s warranty is over, then most likely, the insurance company will not cover a roof replacement though it may cover the repairs.
As long as the insurance investigates and finds that the roof damage was due to natural causes like hurricanes, you qualify for compensation. The type of homeowner cover you have pay for will determine if the insurance company will cover all expenses or just a section of them.
Replacement vs. Repair
Most insurance companies want a solution that will not be costly to them. When considering compensation, the insurance is the one that decides on a full or partial replacement depending on the cause of the damage. An insurance company will cover the full costs if the damage is from unexpected causes.