What Kind of Roof Damage Is Covered By Insurance?

A Fallen Tree On a Building.

How Do I Claim Roof Damage On Insurance?

As a commercial property owner, you know how important your roofing system is. Its an investment, and in order to protect your investment, you need to make sure your commercial roof is in good shape. However, things can happen, which can cause damage to your roof. When damage develops on your roof, one of the first things you need to do besides call a roofer for repair or replacement service is to call your insurance company. Depending on the type of damage you have on your roof, your insurance company will be able to cover the complete or partial cost of repairs or a replacement. But what roof damages are covered by insurance? Damages known as covered perils are covered by your insurance company. Covered perils would be hail, fire, and wind damage. So if you have hail damage on your roof or some of your roofing was torn off because of strong winds, your insurance provider can cover it.

A lot of people want to know about an insurance claim for roof leak and that can get tricky. Roof leaks are covered if they are caused by a covered peril–so if your roof develops a leak due to wind or hail damage, then the roof leak would be covered by insurance. The only time insurance wouldn’t cover repairs is if hail and wind damage were excluded from your policy. If the leak develops because of wear and tear on the roof or lack of maintenance, then unfortunately, insurance won’t cover the cost for repairs. Sometimes it snows in , so you might be wondering, “Does insurance cover snow damage roof?” Typically it does, but it depends on if your coverage covers this type of damage. When you have to file a roof insurance claim, many people want to know how does roof insurance claim work and how do you claim roof damage on your insurance. Below we can go into more detail about these questions.

Roof Damage Insurance Claim Process

If you think your commercial roof has been damaged by a storm, then it is important to look for damage on your roof. You can document this damage by taking pictures. If you are uncomfortable getting on your roof to look, then you can call a roofing contractor to inspect your roof. Once it has been confirmed that you have roof damage, you will want to call your insurance company to file a claim. You will want to talk to them about what your policy covers so that you aren’t shocked when they come back and say they can’t cover the cost of repairs or a replacement. Filing a roof insurance claim can be stressful, but knowing what to expect can make it better. These are the steps that are taken during the roof insurance claims process.

  • Roof Inspection: To find out if there is damage on your roof and to see how severe it is, a roofer will conduct a comprehensive roof inspection.
  • File Insurance Claim: Once you know that there is damage on your roof, you will need to call your roof insurance company to file a claim.
  • Estimate Roof Services: Your roof insurance company will send one of their adjusters out to inspect your roof and then give your insurance company an estimate of what repairs or a replacement would be.
  • Roof Services: If your claim is approved by your insurance company, you can get your roof repaired or replaced by your preferred roofer.

How Does Depreciation Work On an Insurance Claim?

When you get an insurance policy for your roof, the insurance company is agreeing to cover the cost of repairs or a replacement for your roof. Like most things, the value of an item will start to decline over time. The loss of value on a roof is called depreciation, and something that is taken into consideration when you file a claim for roof damage. If a claim is approved by your roof insurance company, they will probably give you money based on the cash value of the roof. They will not reimburse you for the value of the roof when it was first installed–it will be based on how old the roof is. However, if there is a recoverable depreciation clause, then you can recover the depreciation of the roof, as well as the cash value.

What Do Insurance Adjusters Look for On Roofs?

Two Men Checking a Leak Problem On the Roof.

Is Roof Repair Covered By Insurance?

When a roof insurance company sends one of their adjusters to look at your roof, the adjuster will at your building’s and roof’s interior, to see if the roof was properly installed, and will want to know how old the roof is. All of these factors play a big role in determining whether or not your roof insurance will cover the cost of repairs. Roof repair will be covered by insurance if the adjuster finds that you meet certain criteria. If you need file a roof insurance claim for commercial roof repair in , , then call . If you need a Carrier air conditioner installed, you wouldn’t call anyone but an HVAC technician; the same should be said when you need help with filing a roof insurance claim–you will want to work with a professional roofer. Contact us at 806-771-9780 to learn more about our services.