Does the Age and Condition of the Roof Affect Insurance Coverage?
Your policy may outline age requirements for roof replacement or repair. For example, if your roof is more than 10 years old, you may only be granted reimbursement for the depreciated value of your roof instead of the original value. Basically, the more severe the leaking and evident damage that is present, the better your case for the necessity of a repair or replacement.
What are the General Guidelines for Filing a Claim For Roof Work?
Before you can get work done on your roof that will be covered by insurance, you will need to get an estimate from a roofing contractor. In most cases, you are allowed to us the roofing company of your choice. You can also file a supplemental claim if the roof ends up costing more than the original quote.
No matter the climate you live in, residential roofs will naturally deteriorate over time. In addition, extreme weather and accidents can play a part in its life expectancy. Reading the fine print of your insurance policy when the roof is in good condition will help you file a claim more smoothly when the time comes that your roof needs to be repaired or replaced. Above All has extensive experience in providing roof estimates for insurance claims and helping our clients navigate the process of getting their roof repair or replacement covered by their insurance company.