Will Insurance Pay For Your Roofing Repairs?

Insurance is designed to protect you from unexpected, costly events. It makes sense, then, that you’d want to understand how insurance could help you pay for any roofing problems you may have.

Below, you’ll learn what kind of insurance covers roofing problems, what kinds of problems aren’t covered by insurance, and more. We hope this helps as you try to find the best ways to pay for any roofing damage that your home has sustained.

Will Homeowners Insurance Cover My Roofing Needs?

Typically, you won’t need a separate roofing insurance policy for your roof because the same coverage is provided by your homeowners insurance. However, it’s useful to understand what exactly homeowners insurance is designed for: unexpected events, not regular maintenance needs.

This means that if your roof is in need of repair due to regular wear and tear, you probably won’t be able to use your insurance to pay for the repairs. This is why it’s so important to speak with a contractor as soon as possible if you’re having roofing problems after a storm or accident. If you wait, the insurance company may try to claim that the repairs are needed because of regular wear and tear, instead of the incident in question.

If you’d like to have regular wear and tear paid for, you’re going to have better luck if you get a warranty.

How Does The Insurance Claims Process Work?

Typically, you’re going to want to speak with a professional roofing contractor in order to get your claim paid. First, they’ll perform an inspection and create the documentation that insurance companies require, explaining how much repairs are going to cost and why.

From then, the claim is filed with an insurance company. The goal is for them to approve, but the claims process isn’t necessarily over just because the claim is rejected. If you think the claim was wrongfully rejected, you’ll want to speak with an insurance claims adjuster. They’ll help you get your claim re-examined and approved.

Expert Roofing Contractors in Rhode Island and Connecticut – Christopher Home Improvement

If you’re looking for expert roofing contractors in Norwich, CT, and Rhode Island, Christopher Home Improvement is here for you. For years, we’ve been assisting homeowners and business owners with all their roofing needs.

Have any questions about what Christopher Home Improvement can do for you? Interested in getting a free estimate for your roofing project? We’re more than happy to help! Please reach out to us by calling 860-381-9336 or filling out our contact form.