Hebron Roofing: Article About Repairing A Roof After Storm Damage
Every year, thousands of homeowners must deal with the inconvenient and, oftentimes, frustrating experience of getting their roof repaired after a major storm. Whether high winds tear off a section of the roof or a falling tree limb damages concrete roofing tiles, flashing or gutters, repairing the roof as quickly as possible is important to protecting the home from further damage.
The majority of homeowners carry insurance on their property. In fact, if there is a mortgage on the property, homeowners insurance will almost always be required by the lender. Of course, every homeowners' insurance policy is different. The amount an insurance company will pay for damages as well as the type of roof damage that will be covered will depend on the specifics of the policy purchased. Homeowners should always review their policy and understand exactly what is and isn't covered.
When a roof is damaged during a storm, a Hebron roofing contractor can help the homeowner through the process of filing a claim. It is important that repairs are delayed prior to the approval of the insurance company. Immediately after discovering the damage, a homeowner should contact an experienced roofing professional. A roofing contractor can provide a great deal of help in navigating the claim process and will ensure that all damage is included in the claim.
The roofing experts at AnyWeather Roofing of Hebron KY can assist you with any questions regarding commercial roofing or storm damage repair.
The homeowner will also need to contact their insurance agent in order to file a claim for damages. The insurance company will send an adjuster to the home to inspect the damage and make a determination regarding the repairs or replacement that will be necessary to return the roof to a safe condition. Some insurance policies will cover the actual cash value of the damage, while others will provide replacement coverage.
If a homeowner has a cash value policy, they will be responsible for a prorated amount of the roof. For example, if the roof has a 30 year warranty but is 15 years old, the insurance company will cover approximately 50 percent of the cost of replacement. Additionally, the homeowner will be responsible for any deductible listed on their policy.
After the adjuster has inspected the roof damage, the insurance company will be able to start the process of settling the claim. Once this is complete, the homeowner can contact their roofing contractor and repairs can begin. It is important to choose a reputable roofing contractor in order to ensure that the roof is repaired or replaced in a professional manner.