Homeowners Insurance & The Woodlands Residential Roofing

Homeowners insurance typically covers sudden roofing damage. So, while it won’t cover preventative maintenance from your The Woodlands residential roofing company, your policy may cover most of the costs for a repair or replacement. Many homeowners are unsure of exactly what happens after a storm or other disaster damages their roof. Here are some tips from your The Woodlands residential roofing company regarding roof damage and your insurance.

What Kinds of Roof Damage Does Homeowners Insurance Cover?

In most cases, your roof is covered under your insurance’s dwelling coverage policy. However, your insurance won’t pay for every type of roofing damage. Generally, unless you have an additional policy, your homeowners insurance will cover damage from fire, wind, hail, and falling objects. By contrast, issues caused by wear and tear, improper maintenance, and pests aren’t typically covered. Therefore, it’s important to schedule preventative maintenance from your The Woodlands residential roofing company to catch minor damage before it becomes a larger problem.

Additionally, the age of your roof may factor into your coverage. In most cases, your insurance will pay for the cost of a replacement from your The Woodlands residential roofing company, minus your deductible. However, old roofs over 20 years old your insurance may not cover them or only offer limited coverage.

Another thing to keep in mind is that your policy may have separate deductibles for wind and hail. Also, some other policies have a “named storm” deductible, which refers to any hurricane or tropical storm that the National Hurricane Center officially names. Therefore, it’s important to know the particulars of your policy regarding your roof.

How Your The Woodlands Residential Roofing Company Works with Insurance Claims

So, how do you proceed with your roof repair and your insurance claim? One of the first things you should do is have your Houston roofing company inspect your roof to ensure it’s safe. Then, contact your insurance company regarding the damage.

Sometimes, it can be difficult to file your claim and explain the issue to your insurance adjuster. However, your The Woodlands residential roofing company can help. We can meet with your adjuster if need be to help them understand the damage. Also, we can advise you and your adjuster on what services you need for your The Woodlands roof replacement to adequately protect your home and family. We can even help you fill out your claim!

At Paramount Roofing, we know how concerning it is when your roof sustains damage from a disaster. We don’t want to add to your stress. So, when you need roof repair, we don’t ask you to pay anything up front except your deductible. We will collect the rest from your insurance company to make it easier on you. Call us today at (713) 748-4000 to get a free estimate for your roof repair or replacement. We are here to serve you!