Will Insurance Cover My Leaking Roof?
A well-maintained roof is crucial for the integrity and safety of your home. However, roofs with asphalt shingles can be susceptible to various types of damage that leads to leaks. Understanding these causes and knowing whether your homeowners insurance will cover the resulting damage is essential for every homeowner.
The Risks of Replacing Individual Shingles on an Aging Roof
In the home improvement and roof maintenance world, the debate between replacing individual shingles on an old roof versus opting for a full roof replacement often leaves homeowners in a quandary. While insurance companies may advocate for the former as a cost-effective solution, experienced roofing contractors typically advise against it. The core issue revolves around the condition of the shingles on an aging roof, which become brittle and susceptible to further damage during the replacement process.
Step 1: Involve Your Roofing Contractor Before Filing an Insurance Claim
When faced with roof damage from a storm, homeowners often think of contacting their insurance company first. However, a strategic approach involves engaging a skilled roofing contractor before filing an insurance claim. Let’s explore the significance of this step and the added value of hiring a contractor experienced with Xactimate, the estimating software used by insurance companies.
Maximizing Insurance Claim Success
Let’s look at four real-life examples from actual Lion Hopper customers where initial insurance offers fell short of the actual needs. Through our expertise and negotiation skills, we have successfully increased settlements to address the restoration requirements fully, ensuring homeowners can rebuild without compromise. From a case where the insurance company offered a minimal payout that didn’t cover the cost of a new roof to our negotiation that expanded coverage to include not only a complete roofing system but also siding and gutter replacements, we'll show how our expertise ensures you receive the full entitlement under your insurance policy.
Why you need a Specialized Insurance Restoration Contractor
When disaster strikes your home, the aftermath can be overwhelming. Whether it’s damage from severe weather events, such as storms and hail, or unexpected occurrences like fire or water damage, the path to restoration is fraught with challenges. This is where the expertise of specialized insurance restoration contractors becomes invaluable. Understanding the importance of hiring a specialist for your insurance restoration work can make a significant difference in the recovery process, ensuring your home's smooth, efficient, and effective restoration.
Understanding Homeowners Insurance
Homeowners insurance is an essential tool for protecting your home and belongings. It not only offers peace of mind but also financial security in case of unforeseen events. Understanding the various types of policies, specific coverages for hail and wind damage, valuation methods, and additional coverage like law and ordinance can help you make informed decisions when selecting the right insurance for your needs.
Should I share my insurance estimate with my roofer?
It is essential to share your insurance claim with your prospective roofing contractor. This information is critical for them to understand the scope of work that your insurance company has approved.
Here are five reasons to share your insurance estimate with your roofing contractor: