Should I use insurance to replace my roof in Augusta?
Have you recently found the need to replace your roof? If you are thinking about replacing your roof and want your insurance company to cover the costs there are some things you need to know in advance. Insurance companies offer certain policies which include different amounts of coverage, this is true roof roof repairs, car crashes and other home damages. Your policy will ultimately determine whether your insurance provider will cover the costs of a new roof or place the bulk of the price on your shoulders.
Many people think that since they have insurance they are covered for any kind of renovation or roof replacement. This is not true in most cases since the insurance agency will over cover the cost of damages that were not predicted. For example if your roof is just very old missing shingles and hasn't been replaced since the 80’s if you file a roof replacement claim they are more than likely to say no. If your roof needs to be replaced simply because it is very old (and there has been no recent damages) then insurance companies have no obligation or reason to pay for the roof or the roof repair. The majority of homeowner insurance policies can include things such as roofing damages due to hail, lightning, tornado, wind gusts etc. If none of the above damages have taken place at your home then cost for repairing or replacing your roof will mostly likely come out of pocket.
If for instance your home had a tree fall onto it due to a large storm, hail damage or was struck by lightning then yes those types of repairs or roof replacement jobs would be covered. Over the years we have found that the majority of roof replacement claims come from hail damage, wind damage or a tree branch falling through the roof. Depending on your insurance policy you may have to have a substantial amount of damage for them to cover the entire cost or a roof replacement such as a massive hole in the middle of the roof. If there are any questions in your mind be sure to contact your insurance agent so they can go into the details regarding your policy for wind damages, hail storms and other potential damages.
Generally speaking a homeowners insurance plan covers the cost of the roof if it is caused by a sudden event rather than over time a roof getting old. When you submit a claim for a roof replacement it has to be within a timely manner, if you forgot to submit a damage claim from 3 months ago the insurance agency may not accept the claim due to the amount of time that has gone by. When you notice damage on the roof be sure to contact your insurance company within a day or two. Some insurance companies may not replace the entire roof if it was already 30 years old before the damages occured. If your asphalt shingle roof was installed in the year 1940 then there is likely no chance they are going to cover the cost of the roof replacement since it is much more easily damageable. Our roofers near Augusta can help with any of these repairs or roof replacement jobs.
A common term insurance companies will use is called an “Act of God”, these cases are when something happens such as a tree falling onto your roof from your neighbors house or lightning striking your home etc. Let's imagine that your neighbor's big oak tree broke during a strong wind storm and fell onto your home, their insurance would cover the cost of the repairs within the claim they file. If your neighbor does not file an insurance claim then they will need to pay you for the damages caused. If they refuse to pay for the damages you can legally sue them and take them to court (though nobody likes doing this EVER). For any other questions about roofing repairs or to find a roofing contractor near Augusta, GA give us a call today!
Many people think that since they have insurance they are covered for any kind of renovation or roof replacement. This is not true in most cases since the insurance agency will over cover the cost of damages that were not predicted. For example if your roof is just very old missing shingles and hasn't been replaced since the 80’s if you file a roof replacement claim they are more than likely to say no. If your roof needs to be replaced simply because it is very old (and there has been no recent damages) then insurance companies have no obligation or reason to pay for the roof or the roof repair. The majority of homeowner insurance policies can include things such as roofing damages due to hail, lightning, tornado, wind gusts etc. If none of the above damages have taken place at your home then cost for repairing or replacing your roof will mostly likely come out of pocket.
If for instance your home had a tree fall onto it due to a large storm, hail damage or was struck by lightning then yes those types of repairs or roof replacement jobs would be covered. Over the years we have found that the majority of roof replacement claims come from hail damage, wind damage or a tree branch falling through the roof. Depending on your insurance policy you may have to have a substantial amount of damage for them to cover the entire cost or a roof replacement such as a massive hole in the middle of the roof. If there are any questions in your mind be sure to contact your insurance agent so they can go into the details regarding your policy for wind damages, hail storms and other potential damages.
Generally speaking a homeowners insurance plan covers the cost of the roof if it is caused by a sudden event rather than over time a roof getting old. When you submit a claim for a roof replacement it has to be within a timely manner, if you forgot to submit a damage claim from 3 months ago the insurance agency may not accept the claim due to the amount of time that has gone by. When you notice damage on the roof be sure to contact your insurance company within a day or two. Some insurance companies may not replace the entire roof if it was already 30 years old before the damages occured. If your asphalt shingle roof was installed in the year 1940 then there is likely no chance they are going to cover the cost of the roof replacement since it is much more easily damageable. Our roofers near Augusta can help with any of these repairs or roof replacement jobs.
A common term insurance companies will use is called an “Act of God”, these cases are when something happens such as a tree falling onto your roof from your neighbors house or lightning striking your home etc. Let's imagine that your neighbor's big oak tree broke during a strong wind storm and fell onto your home, their insurance would cover the cost of the repairs within the claim they file. If your neighbor does not file an insurance claim then they will need to pay you for the damages caused. If they refuse to pay for the damages you can legally sue them and take them to court (though nobody likes doing this EVER). For any other questions about roofing repairs or to find a roofing contractor near Augusta, GA give us a call today!