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Homeowners Insurance And Your Roof

Many homeowners take a safe, secure, and well-functioning roof over their head for granted, and don’t give it a second thought – until a storm, a fallen tree branch, or some other disaster wreaks havoc on that security. When damage to your roof does occur, it is important to get it fixed as soon as possible, in order to minimize further damage to the roof and keep necessary repairs to a minimum. Before repairs are scheduled, however, homeowners will want to file a claim with their homeowners insurance to hopefully reduce out-of-pocket costs. Homeowners insurance can be tricky to navigate, and while our team at Cenvar Roofing is knowledgeable, there is no way that we could know the ins and outs of each individual homeowners insurance plan. However, we can provide basic guidelines for homeowners who are wondering what steps to take with their insurance before they pay for a roof replacement completely out of pocket. This way, homeowners can feel confident in the steps they take leading up to a roof replacement. 

Know Your Coverage 

The first thing homeowners need to do is make sure that they understand the specifics of their insurance coverage, as well as any warranties that apply to their roof. This may take a bit of work to understand, especially if you’ve never paid close attention to your home insurance policy before. If you need a copy of your coverage, you should be able to request a copy from your insurance agent. 

Understanding your homeowners coverage is helpful in this process

The majority of homeowners insurance will offer two types of roof coverage: roof repair insurance and roof replacement insurance. Roof repair insurance will typically reimburse homeowners a certain percentage of the repair bill, while roof replacement insurance will cover the installation of a new roof if the damage is severe enough to warrant it. While each policy and agency will have different options for roof converge, these are the two most common insurance categories. Once you’ve determined what type of policy you have, you will have to determine whether or not the roof work will be covered, and schedule the necessary repairs. There are several steps you can take to make this process as simple as possible. 

Step One: Document Everything 

In order to file a claim and find out for sure if the roof damage falls under your homeowners insurance policy, you will need to document everything. Take photos everywhere where damage is apparent, making sure that you are taking ample safety precautions. This should include any damage evident inside of your home or attic space. Because roof damage is often tricky to spot, especially to an untrained eye, it is a good idea to get a professional roof inspection to assess the extent of the damage and suggest the best way to move forward with repairs or replacement. 

Step Two: Research roofing companies and hire the most reputable one 

A reputable roofing contractor is important

Once you have filed your claim, it is important to find a professional roofing company with a strong reputation for good work to carry out the repairs. In order to find the best roofing company for your roof, you will want to look at a few different areas. First, seek word-of-mouth recommendations from trusted family members, friends, or neighbors who have recently had roof repairs or a roof replacement. In addition to word-of-mouth recommendations, it is important to check the roofing company’s online reviews on sites like Google, Facebook or Yelp. While it is important to remember that some of these reviews may be biased in either direction, they often provide a general overview of what kind of experience you can inspect, and give you a gauge of the professionalism of the company. Finally, it is important to schedule an estimate with the company. This step will allow you to establish a personal connection with the company, and ask any questions you may have.  

Step Three: Schedule The Repairs In A Timely Manner

Once you have decided on a roofing company, gotten an estimate, and gotten your claim approved, it is important to schedule the repairs or replacement as soon as possible, in order to minimize the extent of the damage your roof is subjected to. Roof damage has the potential to increase exponentially in a short amount of time, so it is important to move forward as quickly as possible in order to keep repair or replacement costs to a minimum. 

Caution: Be Aware of Storm Chasers and Insurance Scams

Throughout the roofing process, it is important to be aware of potential insurance scams that will try to take advantage of you. The insurance industry can be complicated, and unfortunately, there are predatory scams that will pose as insurance companies or agents, hoping to trick unsuspecting homeowners. One way that this shows up is through what we refer to as “storm chasers,” which is a term coined to describe individuals who will canvas a neighborhood after a devastating storm pretending to be an insurance agent or sales person. These individuals typically pressure people to sign a “contract” for the work that needs to be done. Sometimes they will offer insurance coverage, other times they will offer a special low price for contracts signed right then, but in reality, they are illegitimate businesses designed to scam homeowners out of their money. 

Be aware of insurance scams when choosing to move forward with roof work after a storm

If you believe you are interacting with one such storm chaser, it is important to ask to see a business card, identify their address, phone number, and other contact information, and ask to see a copy of their contractor’s licence and liability insurance. You should also check online for customer reviews on public websites, to see what other homeowners have to say. If you are suspicious of a scam, it is always better to say no. 

Cenvar Roofing 

If you are looking for a roofing company in Virginia that is professional, reputable, and easy to work with, Cenvar Roofing is your answer. We are an ethical company that values excellence and customer satisfaction above all else. If you are interested in scheduling an estimate, or a further conversation with a member of our staff, please visit our website to find our location nearest you. Once you have determined the nearest location, give our office a call and schedule your free estimate! One of our qualified sales representatives will follow up with you, inspect your roof, present you with your options and answer any questions you may have. Ready to take the next steps? Give us a call today!