Major Roof Damage from a Storm or Other Event? We Offer Roof Indianapolis Insurance Claim Work
After a major storm rips through the Indianapolis area, one of the first things homeowners will do is check the roof of the home. When there is damage to that part of the home, fixing it becomes a priority. Not only is this necessary to keep up the look of the home, it is also necessary for the safety of the home.
When there is damage to the roof, there is a good chance that it needs to be fixed immediately. Your homeowner’s insurance policy might cover the cost of the repair or replacement, depending on what happened. If you are going to use this option, there are several things you need to remember.
Have a roof inspection BEFORE you file your claim
You might think that you need to contact the insurance company right away. Before you do this, check the policy to see how long you have to alert them of the issue. If you don’t have more than just a few days, you might not be able to have a roof inspection done. If you do have a bit longer, contact us to schedule a professional inspection.
When we do the roof inspection, we can let you know what type of damage is present. We can provide you with an estimate for the repair or replacement. If this is less than your deductible, you might choose not to file the claim and to just pay the full cost yourself. If you do need to file with the insurance, you will deal with an adjuster to find out what type of coverage the situation qualifies for.
Types of roof damage and what they mean to the insurer
Roof damage comes from many different factors. Which one caused the damage is going to have an impact on what type of coverage you have for the roof. The adjuster will actually visit the home and provide you with information about how much they will pay.
- Falling trees and branches
- Blowing winds pulling shingles off
- Hail damage to the roof
- Damage from animals on the roof
Factors that might impact insurance coverage
There are some factors that might impact whether the insurance company will cover the cost of the roof repairs or not. Knowing these ahead of time can help you to determine whether you should submit a claim to the insurer.
Age of the roof: One of the primary factors that can come into the picture is the age of the roof. Typically, insurance companies won’t cover a roof that is 10 to 20 years old or more because most roofs are rated for only 10 to 20 years of use. Once that amount of time passes by, the roof needs to replaced so insurance coverage won’t apply.
Multiple layers of shingles: If you have more than one layer of shingles on the roof, you should know that the majority of insurance companies base the age of the roof on the bottommost layer of shingles. This means that even if you had a new layer put on 5 years ago, the roof is still considered 20 years old if that is when the bottom layer was put on.
Maintenance: Another factor that might mean your claim isn’t going to be successful is lack of maintenance on your part. If you have neglected to care for the roof properly, you might not be able to count on insurance coverage. One option that you have to show that you have been caring properly for the roof is to have it inspected on a regular basis. Most roofs need to be inspected every three to five years.
Be sure to document everything for the insurance
Before you do anything to the roof, make sure that you document what happened. Don’t remove branches that fell on the roof until you take pictures that show where they were when you went outside. The same thing applies to missing shingles and issues with gutters and siding. You can’t have too much documentation but you can have too little.
Contact us for help
Whether you need us to come by to do a roof inspection and provide you with an estimate for the job or if you are just ready to get the work started, contact us. We will work with you and your insurance company to get the roofing job handled so you know that your home has protection from the rain and snow.