What does homeowner’s insurance cover?Every carrier and policy is a little different. It’s crucial to read your policy carefully to determine what it will and will not cover. Ideally, you should understand your coverage and its limitations before something happens to your roof. The typical homeowner’s insurance policy covers the cost of repairing or replacing the roof if it was damaged by an act of nature. For example, you should be covered if a heavy tree limb falls on your roof, a tornado hits it, or it catches fire. Fire, wind, and hail damage are commonly covered perils. Note that roofs are not typically covered if they are damaged by a flood. You’ll need a separate single-peril flood coverage policy for that.
Here’s what you should know about the insurance claim process.As soon as you realize your roof has been damaged, you should call your insurance agent. If you did not purchase your policy through an agent, then you’ll get in touch with the insurance carrier directly. You should ask about your coverage, deductible, and the claim process. The insurance carrier will send you some claim forms to complete. These days, many carriers have an app for that. Complete the forms as quickly as possible to make the process go faster. Then, the company will send out an insurance adjuster in order to assess the damage. Roof MD has a great deal of experience working with many different insurers and their adjusters. We’ll facilitate the process so you can repair or replace your roof as quickly as possible.