As a homeowner, you truly care about the safety and security of your family and property. However, natural disasters and severe weather conditions are inevitable, and most often result in severe damaged roofs. When this happens, you’re probably relying on your insurance company to bail you out and fix your roofing problems. Unfortunately, not all homeowners may fully understand when and how their roofing insurance works, leaving them feeling helpless and confused in times of need. That’s why we’ve compiled this article to help you understand what you need to know about roofing insurance from a Lincoln roofer.
First, it’s important to note that roofing insurance doesn’t necessarily cover all damages. Every policy is different, and it’s essential to understand what you’re insured against. You may need to pay out of pocket for certain repairs that aren’t covered by your insurance, especially if your roof is too old or ill-maintained. Before anything else, make sure you carefully read and understand your insurance policy and speak with your insurance agent.
Secondly, if your roof is damaged, don’t hesitate to file a claim. Many homeowners are afraid of making claims, thinking their insurance premium may go up or they’ll lose their coverage. However, not filing a claim can negatively impact your policy and decrease your chances of receiving coverage in the future. Non-insured damages or losses can also accumulate over time, leaving you with significant repair costs down the line.
Next, when hiring one of the roofing companies Lincoln has to offer for repairs or replacement, make sure they have a valid license and insurance. This step is crucial, as you don’t want to be held responsible for any injuries or damages that may happen during the project. Additionally, some insurance companies may only provide coverage if you work with licensed and insured contractors. As a Lincoln roofer, we can’t emphasize enough how important this is, so make sure you ask the right questions before signing any contracts.
It’s also important to document everything. When you file a roofing insurance claim, photos, videos, and written documentation can help solidify your case. This evidence may include the time and date of the roofing damage, the cause of the damage, weather reports, and any repair estimates you receive. In some cases, your insurance company may even send an adjuster to inspect your roof. In such situations, stay calm and professional and provide them with all the information they may need to make a fair assessment.
Roofing insurance is a valuable asset that can significantly help homeowners in times of need. By educating yourself and understanding what you’re insured for, how to file claims, qualities to look for in a roofing contractor, and how to document your case, you can ensure your roofing insurance works for you when you need it most. As a Lincoln roofer, we always encourage our clients to take proactive measures to protect their property, so they don’t have to deal with significant repair expenses down the line. At the end of the day, knowledge is power, so take the time to learn what you need to know about roofing insurance.
