ROOF INSURANCE CLAIM
DOES HOMEOWNER'S INSURANCE PAY FOR A NEW ROOF?
Most homeowner’s insurance policies in Texas cover hail and wind damage. Still, reviewing your homeowner’s policy in-depth is best, especially if you live in a region inclined to numerous hailstorms. Some of the standard stipulations when it comes to hail damage/wind damage-related insurance claims include:
- Homeowners typically have 2 years to file a claim.
- Insurance policies MANDATE a deductible payment (they may ask for proof of payment) before the insurance company pays its claim.
- Some states (especially those with a heightened frequency of hail claims) have percent-based deductibles.
- If you only have cosmetic roof damage, your insurance may not cover it.
When in doubt, your insurance agent is your best resource. They can answer all your policy questions and provide guidance on the best course of action. Don’t hesitate to reach out to them for any concerns or clarifications.
Tips To Handle Hail Damage Claims
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Always read reviews, get references, and research before choosing a contractor. Also, verify certificates of insurance and licensing.
Notify your insurance company immediately to open a claim. Some companies have mobile apps and online tools to file, but you can always just call.
If your contractor agrees to the work, they work for you, not for the insurance company. Make sure you understand in detail what each party will do and what steps are required by you.
Find Your Insurance Type In You Policy
There are two insurance policies: (RCV) Replacement Cost Value and (ACV) Actual Cash Value. Most insurance policies are RCV, but you must verify your policy before filling your claim.
Your insurance carrier provides complete coverage of the entire home.
The amount that your insurance company has estimated as the cost of repairs TODAY, includes depreciation.
Get Started With A FREE Inspection
Don’t hesitate—contact your insurance company today to start your roof claim. Taking this proactive step can help you secure the coverage you need.
Receive Paperwork
Contact All Out Roofing
We'll Review Your Claim
Pay Your Deductible
Complete The Job
Final Payment
What Does Wind Damage Do To A Roof?
WHEN WIND SPEEDS GET UP TO 70 MPH
it can cause major roof damage.
Signs of wind damage on a roof include:
- Loose or Missing Shingles
- Curling Shingles
- Granules found in Gutters
- Damaged Soffit or Fascia
- Watermarks on the ceiling or leaks
Roof damage caused by wind can be repaired and covered by your Homeowner’s Insurance policy. Call your All Out Roofing if you think your home has possible damage caused by wind. We will walk you through the assessment and the insurance claim process.