Because you expect your insurance to cover your losses, you pay your homeowners insurance on a regular basis. However, your insurance policy’s coverage can be different. KCG Roofing is often asked if their homeowner’s insurance covers a roof repair. We always answer the same question: It depends. We will attempt to answer this question in this article. We will attempt to provide some guidance, but it is best to check your insurance policy to see if your roof replacement is covered. KCG Roofing can help you with any questions or concerns about your roof replacement.
How roof coverage typically works
Your roof is the area of your home most exposed to the elements. Your roof can be subject to severe weather conditions, such as hail and heavy snowfall in the northern regions. You can expect tornadoes and cyclones to rip apart your roof in the Midwest. There are hurricanes and severe storms in the southern regions. Mother Nature doesn’t always attack your roof directly. Sometimes natural disasters can cause other problems. Your roof may withstand strong storms, but a nearby tree could fall on your roof, crushing it. This is where your insurance comes in. If the damage occurred due to an act of God or an accident, then your roof replacement will be covered. Insurance claims that are based on negligence or general wear and tear will not be accepted.
Your property insurance company will not give you money every time you request it. They have a financial incentive not to pay too much for your insurance claim. Neglecting to maintain your roof or ignoring it are two common reasons why claims get rejected. The insurance company might be able to take responsibility if they can prove that you did not maintain your roof properly or neglected it in any other way.
You will have the best chance to get damages covered if you keep up with roof maintenance. It is a good idea for homeowners to have their roofs inspected on a regular basis. Keep the reports and records of inspections in a safe place. Also, keep receipts for repairs in a safe place to ensure you have proof.
Tips to Help You Save Money
Even if your insurance company agrees to cover roof replacements, they will likely require you to first pay a deductible. It is a good idea to shop around for the best price and quality service. Get quotes from multiple roofers and do your research. Ask about warranties for the service and materials. It is possible to save money by scheduling your roof replacement during the spring or late winter.
This post was written by a roofing professional at KCG Roofing. KCG Roofing is one of the best roofing companies in Tampa! KCG Roofing has the experience and expertise to replace or repair your roof with quality materials and excellent craftsmanship. All our roofs are backed by a 15-year leak-free guarantee, the highest in the industry. We have been family-owned and operated for over 40 years.