Many homeowners who have been through the nightmare of having to deal with the roof damage and trying to get their claim approved by the insurance company will agree: sometimes, it can be very difficult to get a claim paid.
So, how do you get your insurance company to pay for a roof replacement? The answer involves a combination of information, preparation, documentation and hiring a professional roofer to work on your behalf.
Understand Your Insurance Coverage
Knowledge is power. Don’t let your insurance company tell you what’s covered and what isn’t.
Most of us don’t read the fine print of the policy until something goes wrong. Now is the time to do that. If you don’t have a copy of the policy, a common problem, request one from your agent. A paper copy or electronic file should be made available promptly.
In most states, there are two types of coverage: Repair coverage and replacement coverage.
Replacement policies are more common, though they do cost more. Replacement coverage provides for returning the roof to a brand new condition when an event that is covered by the insurance policy takes place.
Repair coverage usually takes into consideration depreciation of the roof. This means you will get a percentage of the replacement cost based on the roof’s material and age. It could be as low as 15% for a roof near the end of its service life.
Read your policy carefully. If the language is confusing, ask questions.