How do I get homeowners insurance to pay
for my roof in Augusta, GA?
Was your roof just damaged in a storm or unforeseen event? If you are trying to get your home insurance company to cover the cost of your roof replacement there are a few things you need to know and determine. Sometimes insurance companies appear difficult to work with but in reality all of your policy information is most likely available when you log into your customer account on their website. These policies show exactly what is covered and when, before you begin a claim for your insurance company to cover the cost of your new roof be sure to consider the following questions.
Why do you believe that your current insurance company should pay for your new roof?
Was your roof damaged or is it just older and worn from the elements?
Did something happen to your roof over the last couple of days? (wind storm, hail damage, heavy rain)
Have your shingles been faulty or started falling off in numbers? (the roof is under 5 years old)
Was the roof not installed properly and looks bad?
Many people across the country think that their insurance company will cover the cost of a roof replacement even when no damages have occurred at the home. A roof will break down over time and need to be replaced, this same thing happens with cars, siding and cell phones. Over the years a roof will age and need to be replaced, in this case you will more than likely have to pay for the roof replacement unless the shingles have sustained some kind of damage. Insurance providers can be pretty strict on what roofing coverages they offer so be sure to check with your agent regarding your policies. If you strongly believe that the insurance company should replace your roof then you need to be prepared to answer questions such as:
Did the damage happen in 1 single day or over a stretch of time? Your roof may have been lightly damaged several times before you notice a leak or shingles missing from the sides.
What damages have occurred to the roof? This could be things such as wind, hail, heavy rain, tornado’s, falling trees etc.
Is the roof leaking anywhere or missing various shingles? This tends to be a very strong case the insurance company will consider when covering the costs of a new roof. Let's say for example a tree falls onto the roof due to strong winds and smashes a 3 foot hole in the roof. Circumstances or events such as that will almost always be covered by insurance unless you purposefully cut the tree down trying to damage the roof and claim a new one with the insurance provider (believe us it has happened)..
Once you have determined the insurance company will most likely cover the costs it is time to report a claim and begin the process. First contact your insurance agent and tell them you are wanting to file a roof replacement claim, when speaking with them it is important to give reasons why you want them to cover the cost of a new roof. The more reasons and facts you have the better.
Once the insurance company has received the roof replacement claim they will respond within a timely manner. Most insurance companies will send what is called an “acknowledgement letter”, which goes over any additional information they require for the claim and potential coverage issues if any. Once you receive this letter the next step in the process is to have an inspection done. Our roofers in Augusta can help with these inspections or the insurance company may send their own guy.
Some claims may get instantly denied by insurance companies if they can tell you are trying to get a free roof replacement without merit. For example if you write in the claim “We recently moved into a new home and the roof is brown but we have always dreamed of the shingles being blue, will you replace it for us?” you will most definitely get denied. Be sure to include in the claim details about why the insurance company should pay for a new roof, get as specific as you can.
Once the insurance company accepts the claim and an inspection has been completed the roof replacement job can begin. Our Augusta roofers are among some of the best roofing contractors around and will get the job done professionally. Once you have paid the deductible for your policy the insurance company will cover the rest of the cost regarding the roof replacement. This is how you get your insurance company to pay for a new roof. Give our roofing company near Augusta GA a call today to get the inspection or roof replacement job started!
Why do you believe that your current insurance company should pay for your new roof?
Was your roof damaged or is it just older and worn from the elements?
Did something happen to your roof over the last couple of days? (wind storm, hail damage, heavy rain)
Have your shingles been faulty or started falling off in numbers? (the roof is under 5 years old)
Was the roof not installed properly and looks bad?
Many people across the country think that their insurance company will cover the cost of a roof replacement even when no damages have occurred at the home. A roof will break down over time and need to be replaced, this same thing happens with cars, siding and cell phones. Over the years a roof will age and need to be replaced, in this case you will more than likely have to pay for the roof replacement unless the shingles have sustained some kind of damage. Insurance providers can be pretty strict on what roofing coverages they offer so be sure to check with your agent regarding your policies. If you strongly believe that the insurance company should replace your roof then you need to be prepared to answer questions such as:
Did the damage happen in 1 single day or over a stretch of time? Your roof may have been lightly damaged several times before you notice a leak or shingles missing from the sides.
What damages have occurred to the roof? This could be things such as wind, hail, heavy rain, tornado’s, falling trees etc.
Is the roof leaking anywhere or missing various shingles? This tends to be a very strong case the insurance company will consider when covering the costs of a new roof. Let's say for example a tree falls onto the roof due to strong winds and smashes a 3 foot hole in the roof. Circumstances or events such as that will almost always be covered by insurance unless you purposefully cut the tree down trying to damage the roof and claim a new one with the insurance provider (believe us it has happened)..
Once you have determined the insurance company will most likely cover the costs it is time to report a claim and begin the process. First contact your insurance agent and tell them you are wanting to file a roof replacement claim, when speaking with them it is important to give reasons why you want them to cover the cost of a new roof. The more reasons and facts you have the better.
Once the insurance company has received the roof replacement claim they will respond within a timely manner. Most insurance companies will send what is called an “acknowledgement letter”, which goes over any additional information they require for the claim and potential coverage issues if any. Once you receive this letter the next step in the process is to have an inspection done. Our roofers in Augusta can help with these inspections or the insurance company may send their own guy.
Some claims may get instantly denied by insurance companies if they can tell you are trying to get a free roof replacement without merit. For example if you write in the claim “We recently moved into a new home and the roof is brown but we have always dreamed of the shingles being blue, will you replace it for us?” you will most definitely get denied. Be sure to include in the claim details about why the insurance company should pay for a new roof, get as specific as you can.
Once the insurance company accepts the claim and an inspection has been completed the roof replacement job can begin. Our Augusta roofers are among some of the best roofing contractors around and will get the job done professionally. Once you have paid the deductible for your policy the insurance company will cover the rest of the cost regarding the roof replacement. This is how you get your insurance company to pay for a new roof. Give our roofing company near Augusta GA a call today to get the inspection or roof replacement job started!