subject: Insurance And Roof Replacement Expenses [print this page] Homeowners insurance is useful as there could be unforeseen repairs on one's home. The roofing is particularly important as the roof protects the rest of the house from weather elements like rain, hail, snow, and high winds. As much as the concept of home owners insurance is reassuring for the home owner, there are several pitfalls when it concerns dealing with insurance claims.
For a home owner wanting to file claim with their insurance, it is best that the home owner first consult with a qualified roofing contractor prior to filing insurance claims. In addition, it is extremely important that the home owner reads his or her homeowners insurance policy. Some common exclusions that the insurance company would not cover are total replacement, materials, and older roofs. Nonetheless, they do this to safeguard themselves from unnecessary expenses and fraudulent claims.
Concerning full replacement, insurance companies do not cover damage that stems from incorrect upkeep or damages, which can be prevented if the home owner is mindful of the condition of the roof. Regarding materials, making use of slate shingles or cedar shakes might be reasons why insurance companies do not replace roofing with such materials. Insurance companies could also not cover replacement of older roofing (with a roof life span of 10-- 20 years old) because, like health insurance, older materials are more risky and the company gets the short end of the stick.
By calling a roofing contractor you will have somebody that can direct the home owner throughout the replacement procedure. Many of the instances when the home owner consults with the roofing contractor are whenever the home owner seeks an insurance claim after the residence was damaged by a storm. Home owners recognize they need to have the damages fixed so they file an insurance claim. Adjusters commonly fail to see the existing damages or they also underestimate the damages. The homeowner could even be riddled with a lot of added costs not covered by insurance. Contractors assist the owner in recognizing the problem and they even assess the damages.
With the help of a contractor, one can be guaranteed that the roof life span can be extended by several more years with appropriate evaluation of the damage. The contractor's help can also provide the home owner with sufficient info to help deal with insurance adjusters. The roof life span is essential to all home owners. A correctly maintained roof preserves the house's beauty and also supplies sufficient security for its occupants for many years to come.
by: Donnie Lester
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