Can I claim for a leaking roof in Raleigh?
You can always try to claim for a leaking roof but your insurance company will be the deciding factor on whether they will accept it or not. There is a high percentage of insurance companies that will cover things such as rook leaks inside their policies, you must first determine what kinds of coverage is offered in your plan. It is important to note how the leak started to occur and where, if the leak was caused by lack of maintenance over the years then the claim would most likely be denied. However if you recently had a large wind storm and found a massive branch that broke through the roof then this would most likely be covered within your policy as an “act of god”.
Roofing insurance is a wonderful thing to have if you do find yourself with a leak at the home. The biggest thing you need to consider when claiming for a roof leak or not is the overall cost of each option. When you submit a home repair claim such as a roofing leak you will be required to pay your deductible. In some cases your deductible can be $500-$1000 unless your deductible has already been paid for the year due to something else. It is important to calculate the cost of the repair and compare it with the deductible amount. For example if you have a $1000 deductible but the repair to fix the leak is only going to cost $400 then it would be smarter to not file a claim and simply pay for the repair yourself. Depending on your policy this may vary slightly so be sure to contact your agent. Look into the exclusion section of your policy to see what isn't covered in your plan such as normal aging, failure of proper maintenance etc.
At the conclusion of this article we restate the beginning sentence. If you CAN file for a roof leak claim it may be a good option, however like mentioned in the article you need to weigh the costs of each path and choose what is best for you. If you need a professional roofing company near Raleigh to help with the repair or roof replacement be sure to call us today. Our residential roofing in Raleigh is among some of the best and we take great pride in all of the work we complete for our clients.
Roofing insurance is a wonderful thing to have if you do find yourself with a leak at the home. The biggest thing you need to consider when claiming for a roof leak or not is the overall cost of each option. When you submit a home repair claim such as a roofing leak you will be required to pay your deductible. In some cases your deductible can be $500-$1000 unless your deductible has already been paid for the year due to something else. It is important to calculate the cost of the repair and compare it with the deductible amount. For example if you have a $1000 deductible but the repair to fix the leak is only going to cost $400 then it would be smarter to not file a claim and simply pay for the repair yourself. Depending on your policy this may vary slightly so be sure to contact your agent. Look into the exclusion section of your policy to see what isn't covered in your plan such as normal aging, failure of proper maintenance etc.
At the conclusion of this article we restate the beginning sentence. If you CAN file for a roof leak claim it may be a good option, however like mentioned in the article you need to weigh the costs of each path and choose what is best for you. If you need a professional roofing company near Raleigh to help with the repair or roof replacement be sure to call us today. Our residential roofing in Raleigh is among some of the best and we take great pride in all of the work we complete for our clients.