If you have lived in your house for decades, updating your roof is a necessary part of homeownership. With a new roof, you have the piece of mind that it will function properly. Still, the installation of a new roof means that your house will become a temporary construction site. This can add stress to your already chaotic life. The cost that comes with replacing your roof may also add stress. However, with preparation, you can reduce the amount of stress and anxiety that comes with a roof replacement.
Is Roof Repair Covered by Insurance
If you have an all-perils homeowners insurance policy, you can cover the cost of replacing your roof. The replacement can only be covered if there is an accident that has been caused by nature. Damage to your roof caused by wear and tear may not be covered by your insurance company for the repair of your roof.
If your roof has exceeded its lifespan, you also may not be able to receive reimbursement for a roof repair from your insurance company. If you have a claim, you should have records of any repairs you have done on the roof as well as before-and-after photos and any inspection reports you have. As soon as your roof is damaged, you need to contact your insurance company in a prompt manner.
Every year, your roof depreciates. Most insurers don’t cover roof that are over 25 years old. Your insurance policy may also have exclusions that involve neglect, improper maintenance, expensive materials like cedar and recycled shake shingles, and roofs that have more than two roofing material layers.
In order to improve your chances of your insurance company paying for the replacement of your roof, contact them to do an inspection. Before the inspection, gather the documents you have. Some of the documents you need are your home insurance policy, home inspection reports, and repair receipts. Your insurance company will arrange for an adjuster to inspect your roof and make an assessment.
When to Repair Roof Shingles
If you notice that water is seeping under your roof’s shingles, you will have to act immediately. Moisture can lead to the rotting of the wood sheathing underneath. When you ignore issues that come up, it can lead to you have to replace your roof sooner than necessary. It can also lead to major expenses to address the roof issues.
Your shingles should be replaced once they are damaged. This is especially true if your roof is older than 20 years. If your roof is mostly in a good condition, it may be possible to do some repairs yourself. Just make sure you are comfortable and know what you are doing before attempting to do so. Some of these repair involve gluing down a shingle that has curled, fixing cracked shingles, and replacing shingles made of asphalt.
The Wrap Up
Replacing a roof involves a few steps. One of those steps involves finding out how to pay for the repairs. When repairing a roof, it is important to contact your insurance company for an inspection and the next steps to take. If you are comfortable, you can do some of the repairs yourself. However, it is important to make sure you take care of roof issues as soon as they come up to avoid bigger issues.
Whiting Co is a company that has a lot of experience with roof repairs and replacements. With over four decades of experience, we can help you address any roof issues you may have. Contact us today for a roof inspect so we can give you a full evaluation of your roof and the repairs that are necessary.