Does homeowners insurance cover the cost
of a new roof in Augusta?
Home insurance companies often cover the cost of a new roof but the answer to this question depends on circumstances and conditions. If you own your home or are currently paying the mortgage you understand the legality of having home insurance in one form or another. There are times though when simply having an insurance provider does not mean you are fully covered for a variety of things that can occur at the home. Most homeowners do not know each of their policies and what they cover so if you are not sure what coverages you are not alone. Once you contact your agent and look into the policy more deeply you will get a better understanding of what insurance companies cover regarding roof repairs and replacement services. The positive thing about insurance companies is that most homeowner insurance policies cover roof replacement if the roof itself is severely damaged due to extreme winds, lightning strikes, tornadoes etc.
If your roof replacement near Augusta, GA occurred due to natural causes such as extreme winds, large hail storm or broken limbs etc then it is almost always covered by your insurance policy. Your coverage or deductible may vary slightly with the severity of the damages caused by the event, for example if your roof had 3 sections of shingles blown off in a storm but the remainder of the roof is strong they will only provide the amount of coverage for those 3 sections instead of paying for a whole new roof. Another thing to consider is aesthetic damage vs functional damage. If you have a metal roof and a large hail storm rolls into town some insurance companies won't cover the damage due to the metal still functioning and fulfilling its design (even though the hail has dinged and left marks in the metal).
When you file a roof replacement claim with your insurance company provider you will be required to work with your insurance adjuster and claims representative to help in the process of the roof replacement job. We recommend beginning the claims process as soon as you are able following the storm or damages. If you wait months to file a claim after the storm happened there is a good chance the company will reject your claim due to the amount of time passed since the incident. Be sure to document images, dates, which direction the storm came from etc. All of this info will be handy in the process and help things move smoothly.
The final steps to get your roof replacement covered by insurance is to get a written estimate from your roofing contractor near Augusta, GA. Our local roofing service provides very accurate estimates for all kinds of roof repair services and roof replacements. We understand that we are not the cheapest in town, however we also are not the most expensive. When you choose our roofers you will be happy with the choice you made, our professionals provide some of the highest quality work and guarantee your satisfaction whether it be a simple repair or tear-off and roof replacement. Once we have provided you with an exact estimate you will next need to work with your insurance adjuster to make sure that the estimate is accepted by the agency. You will pay your deductible and they will cover the rest in the majority of roofing claims. Then once your new roof is installed you are all good to go! This is how insurance covers roof replacements.
If your roof replacement near Augusta, GA occurred due to natural causes such as extreme winds, large hail storm or broken limbs etc then it is almost always covered by your insurance policy. Your coverage or deductible may vary slightly with the severity of the damages caused by the event, for example if your roof had 3 sections of shingles blown off in a storm but the remainder of the roof is strong they will only provide the amount of coverage for those 3 sections instead of paying for a whole new roof. Another thing to consider is aesthetic damage vs functional damage. If you have a metal roof and a large hail storm rolls into town some insurance companies won't cover the damage due to the metal still functioning and fulfilling its design (even though the hail has dinged and left marks in the metal).
When you file a roof replacement claim with your insurance company provider you will be required to work with your insurance adjuster and claims representative to help in the process of the roof replacement job. We recommend beginning the claims process as soon as you are able following the storm or damages. If you wait months to file a claim after the storm happened there is a good chance the company will reject your claim due to the amount of time passed since the incident. Be sure to document images, dates, which direction the storm came from etc. All of this info will be handy in the process and help things move smoothly.
The final steps to get your roof replacement covered by insurance is to get a written estimate from your roofing contractor near Augusta, GA. Our local roofing service provides very accurate estimates for all kinds of roof repair services and roof replacements. We understand that we are not the cheapest in town, however we also are not the most expensive. When you choose our roofers you will be happy with the choice you made, our professionals provide some of the highest quality work and guarantee your satisfaction whether it be a simple repair or tear-off and roof replacement. Once we have provided you with an exact estimate you will next need to work with your insurance adjuster to make sure that the estimate is accepted by the agency. You will pay your deductible and they will cover the rest in the majority of roofing claims. Then once your new roof is installed you are all good to go! This is how insurance covers roof replacements.