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Leaking Roof Repair Service

Mar 1

How do insurance companies determine if a claim for leaky roof damage will be covered?

You might decide to not file an insurance claim for roof damage due to your coverage. Check your policy documentation to determine what damage it covers. Talk to your local roofing professionals for a fair, reliable repair quote.

These are some questions that you should ask yourself before you make any decisions.

Is it You Who is Responsible for the Damage?

Some homeowners neglect to take care of their property. Some homeowners leave their gutters empty with rotting leaves and neglect missing or cracked shingles. They also ignore their home's exterior unless something goes wrong. It's possible that your roof insurance claim will be denied if your roof shingles become cracked, curled, or covered with mildew. You'll likely end up paying the cost.

Insurance will cover the cost of replacing your shingles if they are damaged by hailstorms.

Is the Damage an "Exclusion?"

An area called "exclusions", which will describe all types of incidents that the policy won't cover will be included in your policy. Flood damage is a common occurrence in certain areas.

Is it more expensive to repair than your deductible?

The deductible is the amount that you will have to pay in order to repair any damage. The most common deductible is $500 to $5,000. If the repair cost is less than your deductible, the insurance company will not pay you any money if you file a claim. If you are experiencing roof damage, get a quote before you call your insurer.

You should also include the cost of replacing or repairing items damaged by the leak, including drywall, flooring, and electronics.

Not because you can file an insurance claim for a leaky roof...

Inexperienced homeowners may find it tempting to file a claim when their policy covers the damage. This is a good idea and it's within your policy guidelines. Your insurance company may decide that you are too risky and terminate your coverage. Your insurance company doesn't need to fire you for breaking any rules.

Additionally, your policy's cost will increase if you file a claim. These increases can be substantial. You cannot avoid these increases by switching companies. Multiple companies submit claims to the Comprehensive Lost Underwriting Exchange (CLUE), which is a database that insurers review before they issue new policies.

Sometimes it is more important to file a claim than whether you are able to collect the damage.

Insurance experts advise against filing a claim if the damage is less than $5,000. You can instead opt for a policy that has a higher deductible. This will lower the cost of coverage. Save your savings and put them in the bank to cover any small problems that may arise.

Your insurance coverage could be at risk if you file more than one weather or one non-weather claim for a leaking roof every ten years.

Fort Wayne Roofers' experts can help you decide whether or not to file an insurance claim due to Leaking Roof Repair Service. Get a quote today by calling us.


Fort Wayne Roofers

Fort Wayne, IN

(260) 233 7260