Your roof is one of the most important parts of your house when it comes to keeping you and your family safe. However, it's also one of the most vulnerable to damage. From leaks to missing shingles, there are a number of issues that can arise, particularly in areas that experience harsh weather. Fortunately, your insurance policy is there to help cover the cost of repairs or replacement. But, when should you contact them? Here's everything you need to know.
Most insurance policies will cover damage to your roof if it's caused by a natural event, such as a storm, hurricane, or tornado. If you notice that a few shingles have been blown off or are missing, it's important to contact your insurance company right away. This is particularly true if there has been a recent storm, as the damage may not be immediately obvious. If you wait too long, you could miss out on coverage, leaving you to foot the bill for repairs yourself.
Similarly, if you notice that your shingles are shiny, old, or damaged in any way, it's important to get in touch with your insurance company. While these issues can occur over time, they can also be a sign of a larger problem, such as water damage or structural issues with your roof. By reporting the issue to your insurance company, you can ensure that a professional is sent out to assess the damage and make the necessary repairs.
One common question that homeowners have is whether they should pay for the repairs upfront and then file a claim, or if they should wait for the insurance company to assess the damage. The answer is that it largely depends on the extent of the damage. If it's minor, such as a few missing shingles, it's typically best to wait for the insurance company to assess the damage before moving forward. However, if the damage is significant, such as a large hole in the roof, you may need to enlist the help of a roofing company right away.
When the insurance adjuster comes to assess the damage, it's a good idea to have your roofing company on site as well. This will ensure that they're able to provide input on the extent of the damage and the necessary repairs. Additionally, it can take some of the burden off of you, as the roofing company can handle the details of the repair process while you focus on other things.
Your roof is one of the most important parts of your home, and it's important to take care of it when damage occurs. By contacting your insurance company right away and enlisting the help of a professional roofing company, you can ensure that your roof is restored to its former glory. Remember that waiting too long can result in missed coverage, so don't hesitate to reach out for help when you need it.