I Need Help With My Roof Insurance Claims In Louisville Ky
I believe the roof on my Louisville KY area home has survived recent damaging storms intact
, but if another storm leaves me less fortunate, it will soon become apparent that I need help with my roof insurance claims. How can local roofing companies help get me prepared for the worst?
Prepare for storm damage
It seems that if you are not prepared for the worst, the worst just may happen! Know the condition of your roof, gutters, flashing, and ventilation before a major storm arrives. Take up-to-date photographs of your roof in good condition. Contact a professional roofing company to perform routine, documented inspections to ensure that your insurance carrier cannot claim poor roof maintenance as a contributing cause of storm damage.
Know your insurance coverage
Because your roof is such an integral part of your home, it stands to reason that homeowners insurance will pay for a new roof for your house. When you break it down, yes, a roof is definitely part of your home, so homeowners insurance will cover roof damage. Right? Well, not necessarily. It really depends on how your Louisville KY roof sustained the damage.
Generally, homeowners insurance companies pay for roof damage if the cause was related to non-disastrous acts of God such as wind, hail, or rain, and if the damage occurred because of an unknown and unpreventable reason. Preventable damage is usually exempted from coverage under your policy. You can no more expect insurance to pay to replace an old roof with loose and missing shingles that is completely demolished by wind damage than you could expect it to pay for damage caused by that creaky old dead tree that should have been cut down ages ago.
After being notified of storm damage to your roof, an insurance adjuster will investigate and verify all facts. If your roof is old, the company may only pay for pieces of the roof, such as shingles, and for some interior damage, while leaving you the expense of repairing the roof itself. If your roof had been poorly maintained, the insurance company could easily argue that your roof would have failed, anyway, regardless of storm damage.
With regular inspection and general maintenance of your roof, you can help avoid the preventable damage scenario. Experienced and reliable roof contractors can help prevent potential roof damage from some of even the most severe storms. When I need help my roof insurance claims, I know I will contact a local roofing company with a proven track record in roof repair, and most importantly, a proven track record of successful roof insurance claim payments.
If I need help with my roof insurance claims for hurricane or tornado?
Unlike seasonal storms with high winds, driving rains or hail, claims for tornado damage, hurricane damage, flood damage, or earthquake damage are usually not covered under most insurance policies. A specific policy for so-called Acts of God is required. Call your insurance agent to clarify what perils are actually covered under your homeowners' policy.
Louisville KY roofing contractors are experienced with outstanding following of satisfied and happy customers. Homeowners and business owners in the Louisville and Kentuckiana have benefitted greatly from quality service by these expert roof contractors, who also have a proven success rate in helping their customers receive fair insurance settlements from roof insurance claims.
I need help with my roof insurance claims, you say? In Louisville KY, see how roofing companies can help you prepare for the day you may find yourself in a position to say, I need help with my roof insurance claims!
by: Shirley M. Dudley
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