After a storm, it’s important to know whether or not your homeowners’ insurance will cover the cost of replacing your roof. Since every policy is different, you must read your insurance contract carefully. However, there is more to consider when it comes to a homeowner’s insurance policy and roof replacements. Keep reading to learn more about what is and isn’t covered.
Will Homeowners’ Insurance Cover My Roof Damage?
In Minnesota, it’s common for storms to blow through, causing roof damage. If this happens to your house, it’s important to know if and how much homeowners’ insurance will cover the cost of repairs or replacement.
In most cases, standard homeowners’ insurance policies will cover roof damage due to wind damage, hail damage, and other storm-related damage. However, it’s important to understand that every policy is different, and coverage amounts may vary.
So, what is the first thing you should do after a severe storm? Let’s look at the steps you should take.
How to Figure Out if Your Insurance Will Cover Roof Damage
After a storm, it can be difficult to know whether or not you have damage that is severe enough to file a homeowners’ insurance claim. This is why it’s important to call a professional roofing contractor to inspect your roof.
They will be able to tell you if the damage is severe enough for a claim and what specific repairs or replacements need to be made. Companies like Perfect Exteriors will write you a repair or replacement estimate that you can take to your insurance company. In addition, we will take a look at other aspects of your home, such as siding, windows, and gutters.
Once you have this estimate, you should contact your homeowners’ insurance agent to discuss the details of your policy and how much coverage it provides for roof repairs or replacements.
Perfect Exteriors Will Work With Your Insurance Company
At Perfect Exteriors, we understand how difficult the claims process can be. This is why our team of roofing professionals will work with your insurance company directly to make sure you are getting the best coverage possible for your roof replacement or repair.
This includes ensuring that your claim is filed correctly and that we get the full amount of coverage due to you. This will take away a lot of stress and make sure you get the most out of your insurance policy.
Getting a Roof Replacement or Repair
No matter the extent of the damage, it’s important to get your roof repaired or replaced as soon as possible. This can help prevent further damage to your home and will ensure that you don’t have any issues with leaks in the future.
After your homeowners’ insurance claim is approved, we can schedule an appointment to come out and complete the necessary repairs or replace your roof. We will work with you every step of the way to make sure that you understand the entire process and are satisfied with the results.
Industry-Leading Roofing Materials
If you do need a roof replacement, it’s vital to ensure that you are using the best materials available. At Perfect Exteriors, we use industry-leading roofing products from trusted brands like GAF, EDCO, and Central States. So, no matter if you need or want asphalt shingles, metal roofing, or cedar shake shingles, we have the perfect product for you.
We will help you narrow down the best option for your home and make sure that every aspect of the job is done perfectly. For example, if you plan on living in your home until retirement, maybe you want something that will be low-maintenance and durable. Whatever the case may be, our wide selection of materials and styles will be sure to meet your needs.
Getting Homeowners’ Insurance Coverage for Roof Damage
At Perfect Exteriors, we understand that dealing with homeowners’ insurance can be a daunting task. That’s why our team of experienced professionals is here to help you every step of the way.
We will work directly with your insurance company to make sure you get maximum coverage for your roof replacement or repair. Contact Perfect Exteriors today to get a free, no-obligation estimate for your roof damage, and we will work with your homeowners’ insurance.
