From storm damage to general wear, there are plenty of reasons to invest in roof repairs to improve the structural integrity, efficiency, and appearance of the installation. According to the roofing contractors at R & R Construction & Roofing in Tallassee, AL, it’s important to look at your homeowners insurance policy, as well as the state’s policy regarding coverage for roof damage. This way, you’ll know who is responsible for repair costs before the project is underway. Below, the premier roofing contractors in Elmore and Tallapoosa counties share a few insights into roof repair and replacement insurance coverage in Alabama.   

Mother Nature Impacts the Extent of Insurance Coverage

From high-speed winds to excessive rainfall, Mother Nature’s mood swings can strip away roof shingles, warp substrate materials, and cause additional damage. Even with proper maintenance, it can be hard to protect the system from exposure to the elements. In the state of Alabama, whether roof damage was caused by an act of nature is taken into account when determining if an insurance claim is accepted. If the damage is due to environmental forces beyond the homeowner’s control, insurance could cover expenses for a complete or partial roof replacement. In many cases, insurance will pay for the cost of repairing the portion of the roof impacted by a specific event.   

Homeowners Pay Out of Pocket When Neglect Causes Damage 

From sealing leaks to raking away dead leaves, it is up to a homeowner to ensure their roofing system is properly maintained. If the membrane falls into disrepair due to neglect, insurance might not cover the cost of repairing or replacing the system. When general wear is the cause of an insurance claim, the fact that preventative steps could have been taken to safeguard against damage is the reason for a claim rejection. 

If a damaged roof has impacted the safety and comfort of your home, the roofing contractors at R & R Construction & Roofing have the skills and experience to restore the quality of your system. They will also share tips to maximize space in the home interior. To schedule a roof replacement or repair appointment in Tallassee or the nearby communities, call (334) 283-2129. Visit the roofing contractors online to discover the additional home improvement solutions they provide, and follow them on Facebook for renovation ideas to boost the value of your space.