Why Won’t My Insurance cover My Roof, and What Are My Options?

With hurricane season upon us again, it’s a sure bet that there are going to be some storms in either the Atlantic Ocean or the Gulf of Mexico. Are you prepared when storms come? If you think you are prepared, you may want to think about whether your roof will be covered the next time a storm comes. Here are some scenarios for roof damage, and what your options are if you should need a roof replacement.

There Was A Bad Strome, And Now My Roof Is Leaking

Whether or not the insurance company will pay for a roof replace-ment in this scenario depends on a couple of factors. First, how old is your roof? The newer your roof is, the more likely your insur-ance will pay for a roof replacement. If your roof is over 20 years old, don’t count on your insurance company to replace it, espe-cially if you haven’t had a roof inspection during that time. Howev-er, your insurance should still pay for any damage you have inside your house from leaking water.

There Was A Bad Strome, And Now My Roof Is Leaking

If you are unlucky enough to have this happen, the good news is that your insurance company is likely to replace your roof as part of your policy. However, again, if your roof is over 20 years old, the insurance company may pay for part of your roof replacement, but not all of it.

I Have Hail Damage to My Roof

Hail damage is usually covered by insurance, however, you may not get a roof replacement. If your roof is over 20 years old, your insurance company won’t cough up the money for a roof replace-ment, although it may cover part of it. If the damage to your roof is really just a few damaged shingles, and cosmetic nicks on other shingles, you won’t be getting a new roof. If the hail was large, there is a greater possibility you could get your roof replaced.

What Should I do when my insurance don’t cover my roof?

There are several things you can do to be prepared for summer storms. First, if your roof is older than 20 years old, you may want to get a roof inspection. That way, if something does happen with your roof, you will have proof it was in good condition before the storm. Second, check over your homeowner’s policy, and read the fine print. What does your policy cover?

Hail daFinally, if your insurance company tells you they won’t pay for the cost of your roof, we can help. We have financing options avail-able, including PACE financing. With PACE financing, you will pay no money down-which is a beautiful thing when you’re looking at storm damage. Also, PACE financing offers low monthly pay-ments, which should fit nicely into your budget. If you’re looking for a roofing company who can replace your roof when the storms come, or make needed repairs to your roof after a storm, why not give us a call? We love helping out our neighbors!

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