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How to See If Your Home Insurance Will Pay for a New Roof

By master Mar30,2011 #insurance

Many people have homeowners insurance, and the insurance usually covers all kinds of repairs to your home. However, some people need to hire a roofing contractor to replace their roof, but they aren’t sure if their insurance covers the cost of a new roof and the installation. It is important that you determine beforehand whether or not your home insurance will cover the cost, as you will have to pay it out of your pocket if the insurance doesn’t cover it.
Most Insurance Policies Used Roof Slates For Sale Will Cover It
When looking into your home insurance and its likelihood of covering the cost of a new roof, remember that most insurance policies will cover it if the damage is grave enough. Obviously each policy is different and the requirements will change according to the type of homeowners insurance policy you have. However, in the end, most of the costs of your new roof and hiring a roofing contractor should be covered by the insurance.
Make Sure the Specific Type of Damage is Covered
Some insurance companies will only pay out for certain types of damage, such as lighting strikes, falling trees, crashing airplanes, etc. Whether or not the company will pay for the new roof depends on how your roof was damaged or destroyed, and you will need to do specific research into what types of damage the company will cover.
Most companies won’t pay for damage that was caused to your roof by hail, wind, storms, or anything else they consider to be “acts of God”. They usually won’t cover any damage that could Black Roofs On Houses have been prevented by doing regular or thorough maintenance on the roof, and it is highly unlikely that they will pay for a new roof if the current one is just old and worn down.
However, say a storm knocks down a tree and it falls onto your roof. This would usually be covered under the insurance policy, as the storm is a “peril” and all perils are covered. Insurance companies tend to differ when it comes to policies on paying out for natural disasters causing damage to your roof.
Call the Insurance Company
The best way to find out if your roof is covered (including the installation costs and hiring a roofing contractor) by your insurance policy is to pick up the telephone and give them a call. You will need to explain to them what happened to damage the roof, as well as what is the problem with the roof. You should take pictures of the roof as it is, and send them to the insurance company along with photos of the roof before it was damaged.
Insurance companies often try to weasel their way out of paying the money, but there are insurance companies that will pay out for the damage. As long as you know what types of damage are covered by your policy, you can be certain that the insurance company will have to pay out for the repairs or your old roof or the installation of a new roof.

By master

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