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Whether it’s due to a heavy storm or day-to-day wear and tear, eventually, your roofing may become damaged. If and when this happens, you may be wondering whether your home insurance will offer you the protection you need. The answer is yes—usually. To secure your reimbursement, though, you need to take the appropriate steps. 

Since policies vary, you will need to contact your insurance provider to find out definitively which types of damage will be covered. In general, most policies cover unpreventable roofing damage caused by vandalism, fires, and storms. In most cases, if hail or rain causes shingles to fly, your insurance policy will at least partially cover you.

roofingHow much you get back may depend on several factors. For example, many policies consider your roof’s age at the time of damage. If it’s less than 10 years, it may even be fully covered. If it’s older, you may receive a depreciated reimbursement. You may need to tack on an additional plan for flooding or surface water damage, so take a close look at what your company offers. In some cases, a home insurance policy may cover water damage to your roof but not the resulting mold, for instance.

After your roof incurs damage, call a professional roofing contractor right away. This expert should inspect your roof and identify the problems, as well as write up a report. Some areas will demand prompt support to avoid further problems, so be sure to act quickly. To file your claim, you will need a certified report from your roofing contractor outlining the damage. 

 

From wind to hail to snow, the experts from Elyria, OH’s top roofing company can fix the aftermath of any disaster. The friendly team from Countrywide Roofing will also provide you the details you need to file your claim. To learn more, call the company today at (440) 246-3328 or visit their website

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