If your home has suffered roof damage insurance coverage due to a storm, you may be surprised to learn that your insurance coverage will likely cover the expense. However, it’s important to note that the amount you’ll receive will depend on your policy.
What is the Florida law for roof replacement?
Insurers will usually make an inspection of your home to determine the extent of the damage. They’ll then send an adjuster to evaluate the damage. The adjuster will then calculate a potential payout. Some homeowners choose to hire a public adjuster to help with their claim, especially if they’re dealing with a large amount of damage.
Your insurance company will want to see before and after pictures of the damage. These pictures can help prove that you’ve taken steps to repair the damage. It’s also a good idea to keep records of the work done to your home. This will help you ensure that your roof damage claim is approved.
There are certain conditions that your insurer will require before approving your roof damage claim. For example, you must have had a roof inspection at least once a year.
The age of your roof will also have an effect on your policy. Roofs that are more than 20 years old will have a limited amount of coverage.
The cost of replacing your roof is also a consideration. Most policies don’t cover the full costs of a new roof. You can purchase additional insurance to pay for this.
Depending on the type of roof you have, you may have to pay a separate wind or hail deductible. Generally, these deductibles are between 1% and 10% of your home’s insurance coverage limits.