How to Use Your Home Insurance to Cover Roof Repairs
When unexpected damage occurs to your home, you’ll want to know how to repair it quickly, to a high standard and at an affordable rate. Roofing repairs are no different and it isn’t always clear whether your home insurance will cover roofing repairs. This month, let’s look at the factors that will contribute to whether you are entitled to have your repairs covered by an insurance claim, and if it will be covered in full or in part.
Get an estimate for repairs
When filing a claim for a roof repair, you’ll need to provide an estimate for the costs of repair. To do this, contact a reputable roofing company. Longstanding professionals, such as the team at Abbey Roofing, will give free quotes for roofing repairs or replacements. Your trusted roofing specialist will likely have experience with roofing insurance claims and may be able to help with questions you may have about the general process.
Fully covered roof repairs
In a few cases, roof repairs are fully covered by insurance. However, this is rare and most of the time, only part of the cost is covered by home insurance. Full coverage often applies if the roof was in very good condition, was brand new or if damage was caused by a storm or other freak event, such as a falling tree.
Roof replacement cover
Another scenario involves looking at whether your insurance copy will cover a full roof replacement. In this case, it is important to get a detailed report of the damage done to the roof. You stand a better chance if a professional roofer can summarise why a new roof is needed – this is often because the costs of individual repairs to a few smaller areas outweighs the cost of a full roof replacement.
Factors to consider
When reviewing a claim, insurance companies look at several factors to work out whether your claim is valid and what parts of the costs they will cover.
The age of the roof is one such factor. A roof that is less than 10 years old is generally considered quite new. The condition of the roof is another factor. If you happen to have had your roof checked recently or regularly, this can stand you in better stead with the insurance claim. The cause and severity of the damage is also a major factor. Natural disasters, such as storms and tree fall, unexpected disasters, such as fire and also vandalism are typically offered cover of some form or other.
Abbey Roofing is a commercial and domestic roofing specialist serving customers throughout Bletchley, Enfield, Wembley, High Wycombe and the surrounding areas for over 20 years. To get the best roofing services with 10 year, insurance-backed guarantees as standard, contact us today. We’re always happy to help.