One of the most popular reasons for homeowners seeking a home insurance claim is – roof damage. It is common knowledge that the roof of a home is an essential part of its structural integrity. The roof of your home protects the rest of the house from a variety of weather conditions. This is why it is important for you to ensure that your roof remains in top-notch condition.
If your roof suffers from damage, you often have the opportunity to file a roof claim in hopes that your insurer will pay for the replacements or repairs.
The main question that arises in such a situation is – how often can you file a roof claim?
The frequency of filing a roof claim highly relies on the cause behind the roof damage. Here are some conditions that can affect the frequency of filing for a roof claim.
You can file a roof claim with your insurance company if your roof has suffered damage due to the weather conditions such as a storm. However, your insurance company won’t repair or replace your roof just because it is leaking. So, if your roof has suffered noticeable damage due to the weather such as missing or broken shingles, holes, etc, you can easily file for a claim. You can file a claim every time your roof suffers from damage due to such incidents.
Home insurance doesn’t cover just any damage. It can help cover damages caused by those situations that aren’t related to poor maintenance. For instance, if your roof has old shingles that have suffered severe damage and mold buildup, your insurance company isn’t going to cover it. In the case of poor maintenance, you can forget about filing a roof claim altogether as it will be merely pointless.
The deductible is the amount you’re liable to pay for the repairs of any damage. If the cost of repairing your roof is lower than your deductibles, you won’t receive any money from your insurance company after filing a claim. Make sure to get a quotation from a reliable contractor before filing for roof damage.
When Can You File a Roof Claim?
Homeowners find it rather tempting to file a roof claim in the hopes of having their policy cover the damage. While this does make sense and often falls within your policy guidelines, the main issue is that your insurance company can terminate your coverage. Moreover, every time you file a claim, the cost of your policy increases considerably.
The point is, many insurance experts recommend you to let go of a roof claim if your damage is less than $5,000. Instead of this, they recommend you to opt for a policy with a higher deductive, which lowers the price of your coverage.
All in all, your insurance coverage can become pretty risky if you file more than one insurance claim (one weather and one non-weather) for your leaking roof every ten years.
If you’re looking for someone to help you out with roof repairs and insurance claims…