Over the years, roof repair costs have been on the rise. Looking for an all-inclusive home insurance policy whose coverage includes roof damage caused by rain, wind, hail as well as fire and deliberate destruction has become almost necessary.
Finding out that your roof needs replacement is a substantially troubling affair. Time becomes of the essence because any delays would result in serious property damage, not to mention the discomfort of a home with a leaking roof. Knowing that you have a reliable metal roofing Virginia repair expert ready to respond to your wreck sure takes away some of the worries.
Are there more complications involved when filing a roof repair insurance claim?
Unlike other streamlined (for the most part) insurance claim departments, the roof repair claims division is deemed as controversial. Endless consultations and adjustments, all which require a good follow-up, must be made to ensure that you get fully reimbursed for all the roof damages. Are there any ways of making the whole claiming process a little mindboggling? Absolutely yes
- read and understand the policy at inception
When it comes to insurance matters, there is usually no haste. Take time to actually go through the insurance plan to make sure that you understand what is covered and within what duration. If anything is not clear, contact the company’s support or even better- a lawyer who’s experienced in the field.
Some insurance policies only cover full roof repair for roofs not older than 10 years. Most policies deduct depreciation and even damages for roofs older than 10 years. Another thing to note is that most insurance policies require that you report the roof damage incident within a prescribed time. Elapse of this period means that the agreement becomes void and, therefore, you are not entitled to a reimbursement.
2. Suspecting any roof damages, request professional inspection immediately
If your roof seems intact from the outside, but you still suspect damages may be after a storm, do not hesitate to contact a licensed metal roofing Virginia expert to assess whether your suspicions are true. Do this immediately to make sure that you file the damage within the prescribed time if any. Of course, you could forego this if your insurance company is willing to send an assessor, preferably a third party, immediately.
Does your metal roofing Virginia expert know anything regarding roof insurance?
Even before you own a roof, you will have to select a lifetime roofing contractor. A metal roofing Virginia expert who’s knowledgeable in insurance matters will come in handy when you are filing your roof repair insurance claim. They are better positioned to advise you on the way forward especially when you face a constraint during the process.
- Send your camera to work!
The best to keep tabs is to take good photos of the damage right from the start. Progressively taking photos provides side to side evidence justifying the available billing documents. Presenting these, in case of any complications, guarantees an uninterrupted compensation process.