Filing a claim with your homeowner’s insurance company after a storm has damaged your roof can be complicated and stressful. Fortunately, there are some steps you can take now to help make the claim process for roofing repairs smoother and less onerous:
Check Your Insurance Coverage
Once a storm warning or watch is made, your insurance company won’t allow you to make changes to your coverage, so now’s the time to read through your policy to ensure you’re adequately protected, especially for wind and flood damage. Check your deductible amounts and any other out-of-pocket expenses you may have to cover, as well, and contact your insurer to inquire about their claim process.
Look Into Wind Mitigation
Making specific home improvements to strengthen your home against high winds can give you invaluable documentation on its condition in the event you need to file a claim, and it can even help reduce your property insurance premiums. A wind mitigation inspection is necessary to identify beneficial improvements, which might include adding opening protection, reinforcing foundation-to-wall, floor-to-floor, roof-to-wall connections and gable ends, and adding an effective water barrier if you’re having the roof replaced.
Keep Your Roof in Good Repair
If an adjuster determines that your roof was in poor shape prior to being damaged by a storm, your insurance company might deny your claim outright, or significantly reduce the amount they pay out. Having your roof inspected by an experienced local roofer annually, and following up on any recommended maintenance tasks or needed roof repairs, can give you peace of mind about its condition and help you avoid such a scenario.
Understand Florida’s Roofing Regulations
One of the understandable concerns you may have when filing an insurance claim for roof damage is the worry that you’ll end up with a patchwork of mismatched roofing material that detracts from your home’s curb appeal and value. Thanks to the laws here in Florida, insurance companies must cover the cost of repairs that match the existing material in quality, size, and color. If that’s not possible, the entire damaged section (from peak to eave) must be replaced. Additionally, Florida building code requires that the whole roof must be replaced if the section that needs repair equals 1/4 (or more) of the total roof area.
For more advice on how to make the insurance claim process for roofing repairs less stressful, contact us at Mark Kaufman Roofing.