Insurance typically covers roof replacement if the damage is caused by something out of your control, such as a severe storm or fire. Wear and tear or lack of maintenance however are not usually covered. Check with your insurance for the details on your coverage for roof replacement.
When submitting an insurance claim for roof damage it’s best to document all damage with photos, keep detailed records, promptly report the damage and work with experienced roofing contractors and insurance professionals.
To file, start by contacting your insurance company to report the damage. From there, they’ll guide you through the claims process. Typically it will include an inspection and submitting necessary documentation. It’s best to work with an experienced roofing company like Blue Hammer Roofing as we can help simplify this process.
The timeframe for filing a claim can vary depending on your insurance policy and provider. It’s best practice to file a claim as soon as possible after discovering roof damage.
A residential roof replacement can vary in duration depending on the size and complexity of the project. Generally it takes between one to three days for an average-sized home.
It’s recommended to have your residential roof inspected at least once a year or after major weather events to check that there aren’t any hidden damages. Identifying damage early on can help prevent larger issues in the future.
Yes, after a storm or extreme weather event it’s advisable to have your roof inspected by a professional to identify any damage and facilitate insurance claims if necessary.
Your roof may need repair or replacement if you’re experiencing persistent leaks, ponding water, visible cracks or splits, blistering or significant wear and tear. Regular inspections can help identify these issues early to prevent further damage down the line.
Most homeowner’s insurance policies cover damage to your roof caused by unforeseen events like weather, fire and vandalism. Coverage can vary however, so it’s important to review your policy details before you think you’ll need to file a claim. For storm damage restoration, we suggest you connect with your insurance provider to understand the specifics.
Temporary roof repairs to prevent further damage are typically covered by insurance. We recommend you keep all receipts and documentation for reimbursement.
Filing a claim for roof damage can lead to an increase in your insurance premium. It’s best to discuss this with your insurance provider before filing to understand the implications filing may have on your plan.
