One of the most important parts of getting your own house and becoming a homeowner is that you have to keep a check on all your important repairs. Sure, getting a home is a life-long dream for some people, and albeit very expensive as well.
But the expense of a roofing job and other related repairs add up to the cost of the house if you’re not paying attention. This is where home insurance can be of help to you.
Home insurance takes care of the necessary repairs saving you, the homeowner, a lot of money. However, there are some changes that make it a bit complicated to determine if that roof leak you just noticed would be included in your insurance and what wouldn’t.
Find Out Whether Roof Leaks Are In Your Insurance
One of the simplest ways to find out what stuff is incorporated into the insurance claim is to call your insurance provider directly. The insurance coverage depends upon a couple things like the roof itself, your surrounding area where you live and other important factors here in Kentucky and the Tristate area. This makes it really important to know the ins and outs of your particular policy.
Most policies do have coverage for damage to your roof including unpreventable reasons. Fire and vandalism are some of them. Hurricanes and tornadoes are all pretty much covered when it comes to insurance claims.
Other Roof Damage Factors
When it comes to other acts of God like rain, hail, and wind, most policies will cover them but it’s not a hard and fast rule so always make sure that you’re covered before a roofing crisis hits your family’s bank account. The real kicker is how much will be covered under insurance for some of these circumstances. So it’ll be important to know things like your deductible in addition to there being a coverage limit or not.
The age of the roof at the time the damage is observed is also taken into account by some insurance policies. Let’s take an example here. Suppose the roof is less than 10 years old, you’ll be provided with a full reimbursement for the cost of replacing or repairing your roof. However, if the roof is over 10 years old, then the depreciated value for the roof is provided by some companies. Now, you might be wondering what a depreciated value is? Well, it’s the value that’s taken by considering the wear and tear on the roof and the age of the roof.
There are some cases where the water damage that is caused due to the flooding of the water or the surface water requires an additional insurance policy. Molds and other fungi caused by the leaking of the roof might not be covered by your insurance.
Preventing roof leaks is one of the most important duties that you have as a homeowner. This prevents serious issues to your property that can build up over time if you don’t detect them sooner rather than later.
It can be an expensive and time-consuming process to get your home’s roof replaced. Get a free roof inspection in Kentucky from MasterBuilt today! We’ll make sure that you catch problems early on.
Replacing a roof or other exterior property can be a time-consuming and expensive process. That’s why it’s important to take certain steps to prevent damage from occurring.
- Make sure that your roof is properly inspected by MasterBuilt Construction. We’re able to identify areas for repair
- Replace all the torn and broken shingles
Easing The Roof Repair Insurance Claim Experience
To ensure that the entire process of making the claims is easy and simple, you need to take pictures of the property and your roof. Before and after photos are the best ways to ensure that you get the proper settlement from your insurance company. MasterBuilt will walk you through the process of making a roof repair or roof replacement claim in the Tristate area of Kentucky, Ohio, and West Virginia.
Different insurance companies have different approaches to roof damages and leak policies coverage. We’ll walk you through them all as we’ve worked with and experienced each companie’s procedures and policies.