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Roofing and Home Insurance: What You Need To Know
July 7, 2023
Daniel Rose

Home insurance and roofing are two different topics, but they share a common goal; protecting your home. While home insurance provides coverage for your entire home, including the structure and personal belongings, your roof remains the first line of defense against extreme weather. It must be well-catered for in any home insurance policy. However, every insurance company has exclusions and limitations for certain types of roof damage, especially those resulting from wear and tear or lack of maintenance. An expert roofing company can handle inspections and maintenance to preserve your roof and ensure you are eligible for insurance coverage. Whether you intend to buy home insurance or you’ve done so already, here are a few things to know about insurance and your property’s roof.

  • Coverage For Roof Damage

Home insurance typically involves covered perils such as storms, fire, hail damage, etc., and may not cover damages resulting from other causes. It’s important to review your insurance policy to have a full grasp of the specific coverage for roof damage.

  • Exclusions And Limitations

Reviewing your insurance policy will give you a better understanding of what is included and excluded. Home insurance policies often have exclusions and limitations for diverse categories of roof damage. For instance, most insurance companies may not provide coverage for roof damages associated with wear and tear, lack of proper maintenance, or age-related degradation.

  • Deductibles

Before you get too excited about buying homeowner insurance, also important to find out how much you will pay as deductibles. A home insurance deductible is the amount a homeowner must pay out of pocket when settling an insurance claim. Understand your deductible amount and see if it’s well within your financial capabilities.

  • Insurance Claim Process

To get the best possible outcome, promptly report any roof damage to your insurance provider and follow their claim process carefully. As much as possible, back up your claim with accurate information, photographs and supporting documentation.

  • Roofing Contractor Selection

Depending on the nature of your insurance policy, your insurance provider may present a list of approved contractors when you file a claim for roof damage. However, if you are at liberty to select the roofing contractor yourself, ensure you only settle for highly experienced and reputable contractors familiar with your insurance provider’s guidelines and codes.

  • Review Your Policy Annually

After purchasing home insurance, most homeowners are only bothered about paying the annual cost. However, it’s equally important to review your insurance policy regularly and update it when necessary to ensure adequate coverage.

Conclusion

It’s crucial to keep your roof in good shape and consult with your insurance provider to fully understand your coverage and any specific requirements related to your roof.


To get a professional roofing contractor that will help you ensure coverage eligibility, contact Nycrenovators at 118-35 Queens Blvd Forest Hills, NY 11375 (718) 414-6067  https://www.nycrenovators.com

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