Yes, you can file an insurance claim for storm damage to your property. It is crucial to get proper care for your roof after it has been damaged by a storm. Before submitting your claim, make sure to have your roof inspected by a professional to document the damage. When filing the claim, provide accurate information about the weather-related event that caused the damage. Insurance companies may confirm or deny the claim based on the information provided.
After filing and receiving approval on your insurance claim, it is essential to understand the difference between replacement cost value (RCV) and actual cost value (ACV). An RCV policy covers the replacement cost of everything listed in the contractor’s estimate, and the insurance company pays accordingly. On the other hand, an ACV policy covers the appraised value of your roof or property at its current state. Most insurance companies use RCV policies, but it’s important to know the specifics of your policy to ensure a smooth process with your contractor for roof replacement or repair.
Choosing the right roofing contractor requires careful research and consideration. Start by reading reviews and contacting different companies to gather information about their qualifications and professionalism. Look for contractors who are certified and experienced in the type of work you need. Once you have narrowed down your options, establish a service contract with the chosen contractor. Additionally, check if your city requires contractors to have permits before starting any work.
Regular maintenance is crucial for extending the lifespan of your roof and avoiding the need for another claim. To proactively maintain your roof, consider seeking shingles with higher warranties, such as those offering 25-50 years of coverage. However, be aware that not all types of damage may be covered under limited lifetime warranties. It’s important to properly maintain your roof through regular roof inspections, cleaning, and addressing any issues promptly to minimize the risk of having to file another claim.
If you’re already getting a roof replacement, you can request a discount on your homeowners’ insurance premium by providing proof of ongoing repairs or installation. It is recommended that your contractor take pictures from the start of their work until completion to demonstrate compliance with manufacturer guidelines. These pictures can be used to support your request for a discount. However, it’s important to note that this option is only available when you are undergoing a roof replacement.