Killeen Roofing: Article About Insurance and Roofing
If a homeowner is in need of a roof repair or replacement, they may be able to have some or all of the cost covered by insurance. People are able to purchase either roof insurance or have roofing repairs covered under a homeowner's insurance policy, but what is and isn't covered and to what degree may vary widely.
One of the first steps a homeowner should take if they believe they will need a roof replacement or repair is to contact their insurance provider to file a claim. Homeowners should also get in touch with a Killeen roofing service for an estimate.
Although an insurance adjuster will be sent out to inspect a roof, the insurance adjuster will not have the experience of a professional roofer. This means that the adjuster may not see underlying issues that will drive up the cost of repairs or always be able to determine if the best solution is repair or replacement.
For example, if a roof's underlayment is damaged, it may indicate that water was able to get into an attic and cause damage to support structures.
The experts at Tony's Roofing of the Killeen roofing companies, can assist you with any questions regarding residential roofing or commercial roofing.
If an insurance adjuster does not notice this or does not follow up and inspect rafters or check for leaks in the attic, it may cause an insurance provider to dramatically underestimate what is needed to resolve a problem.
This can mean that homeowners may need to supplement their initial insurance claim, which may cause delays in repair as well as difficulties with a provider. If a complete inspection is done by a roofing professional, it may help to avoid low repair estimates.
It is important to note that insurance may not cover all repairs or may not cover then 100 percent. For example, many insurance policies no longer automatically cover hurricane damage, and homeowners may need to pay extra for this type of coverage.
Some policies will also come with a deductible or will only pay to a certain point. The deductible may be as low as a few hundred dollars, but it can also go as high as several thousand dollars. The amount will depend on what type of policy someone has. Additionally, some insurance companies have a limit to what they will cover. After that coverage limit is reached, homeowners will be responsible for anything beyond what the insurance company will pay for.
Homeowners can get in touch with their insurance provider for specific details on their policy, such as what is and isn't covered and how much they can expect to pay out of pocket for repairs.