How to File a Claim for Roofing Insurance

The roof is usually the primary defense that your home is protected from the elements. However, extreme weather conditions, such as tornadoes, hurricanes, and hail, can cause damage to the roofing of your home, which can cause water leaks, as well as structural damage. To swiftly, securely, and easily repair damaged areas, you may have to submit a claim to your homeowner's insurance.

We've observed, over the years of homeowner surveys, homeowners who seek repairs or replacements to their roofing feel more anxious than those who are pursuing other projects. We've put together an assortment of things you can utilize to ensure that you are confident and well-informed about this procedure.

We will guide you in navigating the process of submitting insurance claims, hiring contractors, and the process of repair.

Before You Contact Your Homeowner's Insurance

Before you call your insurance provider, make sure you document the roof damage. Take several photos of the exterior and interior of your house and take precise notes. If the damages have resulted from a hurricane or stormy weather, note the date and the time.

If you've suffered damage from hail, it's a good idea to record the extent of the hail using the help of a tape measure. After taking note of the damage, make sure you secure your home to avoid further damage. This is before you contact your insurance.

Different types of homeowner insurance coverage

There are typically four primary types of homeowner's insurance policies:

Dwelling Insurance

This will protect the structure of your house, which includes the garage, windows, and built-in appliances, such as your HVAC or your water heater. This policy could pay for the reconstruction or repair of structural elements of your house when it is damaged through natural disasters, vandalism, or theft.

Personal Property Insurance

This includes your personal belongings, such as furniture, clothes, electronic devices, jewelry, as well as kitchen equipment. This kind of insurance is created to safeguard your possessions and can protect you in the case of an insured loss like fire or theft.

Liability Insurance

This policy will help if someone is injured or hurt in your home, for example, the bite of a dog or falling off the ladder.

Additional Living expenses Insurance

If your house becomes inaccessible after an incident, this helps pay for the cost of temporary housing.

You can find out how these protections will protect your home and yourself on the homeowner insurance policy's declaration page. Your declaration page will detail your personal information as well as the details of your coverage.

What's typically covered by homeowners Insurance...and What's Not

As per the Insurance Information Institute, standard homeowners policies cover a vast array of disasters that could occur, such as lightning strikes, tornadoes, hail, fire, and wind, as well as falling items. It's important to remember it's not the case that all natural catastrophes are covered under your policy.

As with many insurance companies, note that damage that is caused by earthquakes and floods is usually not covered by your homeowner's insurance. However, they're often offered through other policies. Contact your insurance company to determine if they have these types of protections.

The normal wear and tear to your home, as well as damage caused by lack of maintenance or mold or an infestation by termites or other pests, are not covered.