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How do I know if my roof has been damaged by a storm?
Look for signs such as missing or damaged shingles, leaks, dents on metal components, or visible cracks. Your best bet is to get a trained professional roofing team out to take a look if you suspect damage or if your roof is 10 years or older.
Should I immediately file an insurance claim after a storm?
It's important to assess the damage first and consult with a professional roofer to determine if an insurance claim is necessary.
Will my insurance cover the cost of roof replacement?
Typically, if the damage is a result of a covered peril in your policy, such as a storm, your insurance should cover the cost of roof replacement, minus deductibles.
Can I choose any roofing contractor for the replacement, or does the insurance dictate my options?
In most cases, you have the freedom to choose your preferred roofing contractor for the replacement. However, it's important to ensure they meet your insurance company's requirements.
What should I look for in a roofing contractor for storm restoration?
Consider their experience, reputation, insurance coverage, warranties offered, and customer reviews before making a decision.
Will my insurance rates increase if I file a roof replacement claim?
Generally, filing a claim for storm damage should not directly impact your insurance rates. However, it's always best to check with your insurance provider to confirm their policies.
FAQ
Can I upgrade my roof during the replacement process?
Yes, you can use the opportunity of a roof replacement to upgrade your roof materials or make other improvements, but the additional costs may not be covered by insurance.
Do I need to be present during the roof replacement process?
While it's not necessary for you to be present, it's recommended to be available for any questions or clarifications that may arise during the project.
Are there any warranties provided for the roof replacement?
Yes, most roofing companies offer warranties on their workmanship, and the roofing materials may also come with manufacturer warranties. Make sure to discuss the warranty details with your chosen contractor.
How do I maintain my new roof after the replacement?
Regular roof inspections, timely repairs, and routine maintenance, such as cleaning gutters and removing debris, will help prolong the lifespan of your new roof.
What if my insurance claim is denied?
If your claim is denied, you have the right to appeal the decision or seek advice from a public adjuster or legal counsel to explore your options.
Will the roofing company handle all the necessary permits?
Reputable roofing companies should take care of obtaining the required permits for the roof replacement as part of their service.
Can I make changes to the rooofing materials specified by my insurance company?
In some cases, you may have the flexibility to choose different roofing materials as long as they meet or exceed the requirements of your insurance company. Discuss this with your contractor.
Can I finance the roof replacement if the insurance coverage falls short?
Yes. There are numerous companies such as Heath that you can get a roof financed through. We always suggest reaching out to your mortgage company and inquiring on a home improvement mortgage loan as typically the best option for homeowners.
How long does a roof replacement typically take?
The duration varies depending on the size of the roof, the extent of the damage, weather conditions, and the complexity of the project. It can take anywhere from one day to a couple of weeks.
How can I protect my property during the roof replacement process?
Communicate with the roofing company about protecting your landscaping, outdoor furniture, and other vulnerable areas. Covering them or temporarily relocating them can help minimize potential damage.
Will the roofing company assist with the insurance paperwork?
A reputable roofing company should help you with the necessary paperwork and documentation required by your insurance company.
​Hope this helps in selecting your contractor as well as give you some insight on how to care for your homes roof.