Home insurance can cover the cost after certain types of damage, but you cannot always count on the insurance payment. The insurance policy terms would include types of damage covered by the policy and particular reasons why your roof should be repaired or replaced. Usually, a home insurance policy covers sudden or accidental problems caused by disasters like wind, fire, hail, heavy snow, and outside factors like vandalism. In addition, an insurance contract stipulates a guarantee for materials and installation.
Insurance claim assistance
Among other roofing services, M&Y Pittsburgh Roofing provides insurance claim assistance. It is very important to have a certified and licensed professional on your side when it comes to the insurance claims. We are licensed and certified shingles inspectors by the National Claims Institute. The damage covered by your insurance policy will depend on the policy terms and the legal language in it. Also coverages outlined in the policy may take a huge factor with the amount covered. Homeowners should keep in mind that the coverage given for roof repairs often does not cover the total cost of the roof, and the insurance payment can only be partial. In all cases a deductible payment must be made by the homeowners and it can vary or adjusted for each policy but a $1500 – $2500 is the most commonly seen number.
Insurance for partial damage
In some cases, the service life of the roof can be reduced due to damage. However, your insurer can cover the entire replacement even if the damage is partial. For example, if hail strikes an asphalt shingle roof, an adjuster would count the number of strikes in a section to assess the impact on the roof’s lifespan. Depending on the number of strikes and whether they made a significant impact on the roof’s service life, the roof should be replaced. With the wind damage it can be more complicated but it’s very common to get a full roof replacement coverage with a partially damaged roof.
Insurance for matching issues
If the materials for fixing your roof are not available, your insurance company can replace the entire roof too. For example, the roof is damaged and few shingles are broken and need to be replaced. Upon the inspection it became that that type of shingles is no longer in production and can’t be found. In most cases the insurance provider will have to cover the entire roof replacement as we are unable to manipulate with the shingles to fit the sizes needed or shape required.
Homeowners insurance
It is essential to point out that home insurance does not cover roof damage caused by floods or earthquakes. Also, policies do not cover damage that appeared due to lack of maintenance. Annual roof checks and regular maintenance by roofing specialists help homeowners eliminate such risks when natural disaster strikes.
Typically insurance companies will not cover any damage caused by regular wear and tear. As for wind and hail damage, there are different coverage levels of “actual cash value” or “recoverable cash value”. For instance, if the roof is old, the base for reimbursement is the value of the roof at the time of damage. The dwelling coverage only helps to protect the roof, covered perils, the structure of the house, or causes of the damage. Personal property coverage also helps repair or replace the contents of the house that have been severely damaged or ruined. Moreover, home insurance can cover roof leaks if a covered peril was the cause.
M&Y Pittsburgh Roofing services include roof installation and replacement, roof repairs, siding installation, roof inspections, and gutter and downspout installation. We also are ready to assist you with a home insurance claim. Just call us at (412) 218-7082 or fill out our contact form on the website, and we will get back to you as soon as we can.