Should I use insurance to replace my roof in Raleigh, NC?
If you CAN use your insurance to replace the roof then yes by all means you should do exactly that. There are things however that you need to consider when trying to use insurance to replace the cost of a new roof. If you are thinking that your roof needs to be replaced you need to be able to tell your insurance company why you are contacting them and why they should cover the costs. Insurance companies offer different policies and coverages for each of their plans, if you want them to cover the cost simply because your roof is old then 99% of insurance companies will deny the claim.
Like mentioned above, If your roof needs to be replaced simply because it is old then insurance companies have no obligation or reason to pay for a new roof replacement. Homeowners insurance companies mostly cover severe damages such as extreme wind, hail, tornados, lightning strikes and fires. If none of the above damages have taken place at your home then repairing or replacing your roof will mostly likely fall directly onto your own shoulders.
This means that if your home was struck by lightning, had a large tree (or branches) fall onto it or some other damage occurred due to the elements or mother nature then yes your insurance may cover the cost of a roof replacement. Our roofing contractors near Raleigh have seen quite the number of damaged roofs and understand that the majority of roof replacement claims come from wind damage, hail damage, fallen trees or tornados. Some insurance providers require a substantial amount of damages to occur at the home before the cover the entire roof replacement. To learn more about your policy and everything within it be sure to contact your insurance agent so they can go into further policy details.
Like mentioned before, homeowners insurance is designed mostly to cover the cost of sudden event damages on the property rather than a warranty on a 30 year lifetime roof. When the roof damage occurs be sure not to postpone the claim process as some insurance companies will deny your claim if it is several months after the incident occured. When you notice damage on the roof be sure to contact your insurance company within a few days up to a week at the most. If your roof is past a certain age some companies will not offer a complete replacement cost, for example if your roof was installed in 1920 the insurance agency is not going to pay for an entire new roof. Older roofs are categorized into “high risk” groups which means they are more at risk to have damages happen to them compared to a fairly new roof.
A common term you will hear during the roof replacement claim process is called “Act of God” and “peril”. These cases are when something happens such as a tree falling onto your roof from your neighbors house, lightning striking your home etc. These events were not planned and could not have been prevented. Acts of god are the most common type of coverage for roofing policies and almost every plan will include some kind of peril coverage. Yoru insurance can have different deductible rates based on the type of damage. Your policy may have a higher deductible rate on hail damage compared to a fallen tree for example. If you need a roofer near Raleigh, NC then be sure to give us a call today! Our professional roofing contractors are here and ready to help with your roof replacement.
Like mentioned above, If your roof needs to be replaced simply because it is old then insurance companies have no obligation or reason to pay for a new roof replacement. Homeowners insurance companies mostly cover severe damages such as extreme wind, hail, tornados, lightning strikes and fires. If none of the above damages have taken place at your home then repairing or replacing your roof will mostly likely fall directly onto your own shoulders.
This means that if your home was struck by lightning, had a large tree (or branches) fall onto it or some other damage occurred due to the elements or mother nature then yes your insurance may cover the cost of a roof replacement. Our roofing contractors near Raleigh have seen quite the number of damaged roofs and understand that the majority of roof replacement claims come from wind damage, hail damage, fallen trees or tornados. Some insurance providers require a substantial amount of damages to occur at the home before the cover the entire roof replacement. To learn more about your policy and everything within it be sure to contact your insurance agent so they can go into further policy details.
Like mentioned before, homeowners insurance is designed mostly to cover the cost of sudden event damages on the property rather than a warranty on a 30 year lifetime roof. When the roof damage occurs be sure not to postpone the claim process as some insurance companies will deny your claim if it is several months after the incident occured. When you notice damage on the roof be sure to contact your insurance company within a few days up to a week at the most. If your roof is past a certain age some companies will not offer a complete replacement cost, for example if your roof was installed in 1920 the insurance agency is not going to pay for an entire new roof. Older roofs are categorized into “high risk” groups which means they are more at risk to have damages happen to them compared to a fairly new roof.
A common term you will hear during the roof replacement claim process is called “Act of God” and “peril”. These cases are when something happens such as a tree falling onto your roof from your neighbors house, lightning striking your home etc. These events were not planned and could not have been prevented. Acts of god are the most common type of coverage for roofing policies and almost every plan will include some kind of peril coverage. Yoru insurance can have different deductible rates based on the type of damage. Your policy may have a higher deductible rate on hail damage compared to a fallen tree for example. If you need a roofer near Raleigh, NC then be sure to give us a call today! Our professional roofing contractors are here and ready to help with your roof replacement.