About Homeowners Coverage
When you live in Texas, as a homeowner, you need to be prepared for the various types of weather that come through. From hurricanes and tornados to hard rains and hailstones, you’ll find yourself filing roof insurance claims. Help with that process isn’t always readily available, so we are going to answer some common questions and concerns here about how to file a roof insurance claim, how roof insurance claims work, and what you can expect.
What kind of roof damage is covered by insurance?
Your homeowners’ insurance coverage will depend on the type of policy you purchased, and the insurance company you are with. Every policy can be different, and every insurance company offers different types of coverage.
A basic homeowners insurance policy should have dwelling coverage. This provides coverage for certain perils or events that can cause damage to your home or property that are beyond your control. Those perils and events include storms and disasters that result in the following:
- Fallen tree damage
- Fire damage
- Hail damage
- Wind damage
- Hail damage
Homeowners’ insurance policies may include things like:
Review your policy every 6 months to refresh your mind on what is covered and what isn’t. If you don’t see specific damages or perilous events listed, contact your agent, and ask them to review and explain your policy. Then consider upgrading if needed. Doing this beforehand is better than waiting until a disaster happens and you need roof insurance claims to help urgently.
Remember, you will have a deductible to pay out of pocket. This should be outlined in your insurance contract which also states the coverage limits. Knowing this now will ease the burden and shock should you need to file roof insurance claims. Helping yourself with review and understanding is the best help possible.
Does homeowner’s insurance cover wind damage to a roof?
Yes, any quality, valid homeowners’ insurance policy should provide coverage for most types of wind damage and will be detailed in the dwelling coverage of the policy. Filing roof insurance claims, help will be available to pay for repairs or replacement in part for damaged or destroyed roofing, siding, or windows caused during a wind event.
Does homeowner’s insurance cover roof replacement?
The roof of your home is without an argument a direct exposure to the elements. And here in Texas, that can be from a range of weather elements including hail, high winds, ice, snow, and more. Anything that Mother Nature sends our way.
Because a roof is an integral part of a home’s structure, the dwelling coverage in a homeowners’ insurance policy will typically state the protection provided for damage by such perils. This can include repairs, or partial, or complete roof replacement. However, for a roof over 20 years old, coverage is typically curtailed to provide roof insurance claims help only for the ACV (actual cash value), not for their RCV (replacement cost value).
Will insurance cover a 15-year-old roof?
If you file for roof insurance claims to help in repairs or replacement of a 15-year-old roof, the insurance adjuster will inspect the roof and the damage. They will determine if the damage was caused by homeowner neglect. This means, you haven’t made repairs as needed, kept trees cut back away from the roof, or you should have replaced it prior to the current incident.
Can you keep insurance claim money for a roof?
If you have a mortgage or lien against your home, the insurance company will send the check to them directly, or they may send you the check. In either case, the check will be made to both you and your insurance company. The check is cashed once the job has been completed and proof of this work is submitted.
If you own your home outright, the check will be sent to you directly, and you can what you want with the money. However, if you choose not to have the roof repair done and then have more roof damage at a later date, the insurance company will likely decline the claim. In some instances, the insurance company may cancel your policy.
The best way to handle this is to have the roof work done. This will give you peace of mind and keep your home safe and protected. Your home is an important investment and taking care of it is always the better decision.
It is an industry-wide problem that many homeowners are taken advantage of by contractors promising that they know how to get a free roof from insurance claims. These are roof replacement insurance scams, and most insurance companies will give their clients warnings not to fall for these scams.
They typically approach older homeowners and have been known to take their money and never return it. There are laws in place to punish these scammers, but in most cases, they aren’t able to find the perpetrators.
It is always best to contact your insurance agent for roof insurance claims help and not sign any paperwork with anyone that you don’t know. Asking for references will usually scare them away, and then following up on any references they provide will give you an indication if they are a valid contractor.
Mdw Roofing and Remodeling LLC provides special guidance with making roof insurance claims in Kingwood, TX. Call (832) 766-9994 to get started & to learn more.