Filing an insurance claim to have your roof replaced can be tricky. Roofs are not generally covered by insurance, particularly if they are simply failing as a result of age. However, insurance will pay for your roof replacement if it’s damaged in severe weather. Here’s what you can expect when filing a claim with your insurance company to cover the cost of a *roof repair.
The adjuster determines whether your roof failed as a result of weather, age, or something else. Roofs that are simply too old will not be covered. Most companies also won’t cover a roof that has failed due to negligence, such as poor attic ventilation or improper installation. This is why it’s vital that you choose a reputable roofing company in Oklahoma City.
The adjuster will also look at recent weather reports and other claims that are being filed in your general area. If you believe your home has hail damage, the adjuster will want to see a weather report proving that it hailed recently in your general area. The company will also expect to see widespread reports of damage to other homes in the area.
Though your insurance company won’t cover repairs to a roof that fails due to age or neglect, they will cover interior damages that result from those two reasons. Even if you can’t get your company to pay for the roof repairs after an ice dam, you can get coverage for water stains on the ceiling, damaged doors, and other damage inside the home.
You’ll be expected to pay your deductible, but the insurance company will take care of the balance of damages or repairs.
Most insurance companies won’t announce this to customers, but they do expect you to perform regular maintenance. They expect that flashing will be checked periodically and corrected as needed. Failure to keep up with maintenance can result in denied claims should your roof fail.
Robbins Roofing Inc. is a highly experienced roofing company in Oklahoma City. We work with insurance companies on a regular basis and can help you navigate this tedious process. Visit us on Facebook to learn more about our experience and how we can repair or replace your roof when the time comes.