Insurance claims pay for necessary repairs when your roof has been damaged in an accident or storm. However, processing claims can be complicated.
Insurance Claims Can Cover Roof Replacement & Repair.
Call: (205)229-9009 Today!
We’ll work with you and your insurance company to get your claim filed quickly and efficiently. Of course, we’ll also provide the best local service to make sure your roof is repaired before further damage occurs.
Most people will never have to file an insurance claim. However, you bought the insurance just in case it was needed, so you owe it to yourself to make a few other preparations.
First, take a picture of your roof as it currently looks. Insurance companies want to know the condition of your roof before the storm.
Next, if you ever have your roof inspected or repaired, keep documentation of it. This helps reinforce that your roof was previously in good condition. Include a new photo after repairs as well.
What Will My Insurance Claim Cover?
You should always read over your specific policy and ask your insurance agent any questions you have. Some will pay the full cost of needed roof repairs. Others only cover a depreciated value. Basically, if your roof isn’t new, they aren’t going pay for a new one. Obviously, policies that cover the full replacement cost will have higher premiums than those which only reimburse a depreciated value.
There will also be a deductible, and these also vary between different policies. The deductible is the amount you’re responsible for. For example, if there was $5000 worth of damage, and you have a $1000 deductible, the insurance company will only pay $4000. This means you don’t have to deal with the hassle of insurance for small repairs, since the cost will be less than the deductible.
We help with roof damage insurance claims involving repair and replacement.
Birmingham Hoover Forestdale Bessemer McCalla Tuscaloosa