How Does Home Insurance Cover Roof Damage

Roof Damage

Home insurance can cover the cost of several different types of damage, but you can’t always count just on the insurance payment. The dwelling coverage amount of your homeowner’s insurance covers the house structure, which includes the roof. Marietta roofers are available to help you with this step of the process.

How much different types of roof damage are covered by your insurance will depend on the policy’s terms and the reasons your roof needs to be repaired or replaced.

Typically, a policy covers problems that are sudden or accidental, and they have to be caused by certain events such as wind, fire, hail, or the weight of snow.

Common Issues That an Insurer Will Cover:

  • Roof and gutter damage caused by windstorms and tornadoes.
  • High winds or hail causing damage to the roof.
  • The weight of snow on your roof causing damage.
  • Other roof damage caused by certain events, such as vandalism or accidents.
  • Roof replacement.
  • Mold damage from exposure to the elements or improper construction.

There are, however, situations where an insurance payment may not be enough to cover all costs. This is often due to the price of the repairs.

If your insurance doesn’t cover all the costs of the repairs, consider getting an additional personal injury or property damage rider.

If your roof is on the list of dangerous structures, you can receive extra compensation from your home owner’s policy to help cover some of the costs of a replacement. The scale of that benefit depends on the severity of the damage.

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For example, if your roof is in the top 25 percent of all roofs in the U.S., you may receive a 25 percent higher coverage amount than your standard homeowner’s insurance policy. If your roof is in the top 15 percent of all roofs, you may receive 50 percent higher coverage. If your roof is in the top 5 percent, you may receive 100 percent more.

A rider will be added to your homeowner’s policy and can be named for the whole house or just the portion that was damaged. The value of the additional coverage is based on the severity of the damage.

However, be careful not to qualify for the highest amount of additional coverage, because that could increase your insurance premiums.

When hiring roofers, make sure you tell the insurance adjuster if your roof is covered and what your insurer has in place to reimburse you for the rest. There are some great roofers in Marietta that can help you along with this process.

A great way to reduce your risk of home insurance claims is to hire a reputable, licensed contractor. Just search for “roof replacement Marietta” or “roof repair Marietta” and jump start your roof repair or replacement journey.

Paying a roofing contractor in advance of any repairs is a good way to ensure that you’ll get quality work that will satisfy the contractor and your insurance.

Get the most out of your insurance policy by preparing for repairs. Know the limits of your coverage. You can call your agent to make sure that your coverage is adequate or ask for an addition to your homeowner’s policy.

After your home is damaged, make sure to contact your agent and the company to get the insurance process started.

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