Many people are surprised to find out the circumstances when their homeowner’s insurance policy is responsible to cover the full cost to repair or replace their roof. Insurance policies are long and complicated
with details that could make or break a claim hidden throughout. But no matter what the age or condition of your roof is, if the damage could be linked to a weather event it’s worth taking a further look.
1. Roofers – want jobs that keep their crews busy and to be paid quickly. Which means they often don’t want jobs the insurance company is covering the bill for because then they have to wait longer to start the job and even longer to get paid. Therefore, they often won’t advise you if you qualify to file an insurance claim to cover the cost of repairs or replacement.
2. Insurance company (including their Adjuster) – are profit driven. They want to minimize the amount of money they have to pay on a claim and will often look for shortcuts on how to repair damage or deny it’s their responsibility to cover it. You should also know that what they say is far from the final word. And you’ll most often have to fight them.
3. Public Adjusters (hired by the homeowner) – are licensed insurance adjusters paid on commission to file, manage, and advocate for the homeowner. They are motivated to maximize the amount of money the insurance company has to pay and are experienced fighting on the homeowner’s behalf.
1. If the damage is continuing, like a leaking roof, your insurance policy requires you to take steps to stop the property from continuing to get further damaged. A tarp on your roof is an example.
2. Never repair any damage without properly documenting for a possible claim. If you can, it’s better to leave it alone while you explore an insurance claim as this might be valuable evidence.
3. If there is a chance you can file an insurance claim, get advice from someone who is motivated to help you understand what you’re entitled to, like a Public Adjuster.
They will help you interpret your insurance policy and provide an inspection and advice for free.
4. Know the statute of limitation to file claims. For example, roof damage as a result of a hurricane claim can be filed within three years of the weather event.
It’s always better to gather as much information as possible and know your options. A phone call with a local reputable Public Insurance Adjuster, like Property Damage Consultants (561.451.4700) in South Florida, is always advisable. A Public Adjuster could help you understand your insurance policy and determine if your roofing damage might be covered. It’s always better to know all of your options!
Property Damage Consultants (Licensed Public Adjusters). 561.451.4700