Is Roof Damage Covered Under Homeowners Insurance?
Having a roof over your head is both a basic necessity and a privilege. But like with most things, damage is inevitable, especially since the roof is exposed to weather and natural elements. Repairs and replacements will cost money, so it's a good thing most homeowners’ insurance pays for the damage. Most coverage applies when the destruction stems from either an accident or an act of nature.
Learning how your policy works will help you file for appropriate coverage. Take a look at how homeowners insurance works for roof damage and some essential details you should keep in mind. The Best Part? Cypress Roofing will help you step-by-step.
Home insurers acknowledge natural causes of damage to your roof. In general, most policies cover the following:
- Natural Disasters
- Lightning Strikes
- Falling Objects
While accidents are within policy standards, other kinds of damage are not. The following causes are not covered by homeowners insurance:
- Roof Weathered by Age, Usually 20 Years or Older in Louisiana, can be as soon as 12-15 years
- General Wear and Tear Due to Neglecting Roof Maintenance
- Intentional or Accidental Damage Caused by the Homeowner
- Living in a State With Windstorm or Hailstorm Exclusions
A disaster deductible is the out-of-the-pocket money you pay on an insurance claim before your coverage kicks in. It pays to inform yourself about how deductibles work, as rules vary depending on the insurance company you choose. Where you live also affects the policies that apply to you.
Take hurricane deductibles, for example. A hurricane deductible is typically higher than other forms of deductibles. It also takes the form of a percentage of the policy limits, ass much as 2-5% of your homes value. So, if you live in a location where hurricanes are common, it may change the total cost of the deductible you'd need to pay.
If every aspect of your roof's damage fits your insurer's requirements, then it’s time to file a claim. Read on to learn about the process of filing an insurance claim for your roof.
- Call Cypress Roofing for a FREE Inspection. We will tell you if you have enough damage to file.
- Cypress Roofing will file your claim for you.
- Cypress Roofing will attend the Scheduled Appointment with your Insurance Adjuster.
- Get Ready for Roof Repairs or Replacement
Homeowners insurance guarantees that any damage to your roof is covered only if it meets the criteria mentioned above. As your policy covers your expenses, you can schedule your roof repair or replacement without any worries.
If you need help fixing your property's damage, choose one of the best roofing companies in Gonzales. Reach out to Cypress Roofing and work with our roofers today. We provide installation, repairs, and miscellaneous construction with exceptional value and quality service.