Why Are Roof Insurance Claims Important?

As spring is quickly approaching, so come lots of storms. The changing of the seasons often brings a mix of sunny days and turbulent weather. Severe weather such as high winds and rain can cause severe damage to your home and especially to your roof. We understand how bothersome filing a roof insurance claim can be and that these situations are beyond our control. But have you asked why roof insurance claims are important? We will explain the importance in this article.

If you have homeowners insurance, this insurance will cover anything that happens to your roof. The need to apply for a roofing insurance claim is that it helps cover the damage that could occur in unexpected events like storms or falling trees. Roof insurance claims provide a financial safety net for homeowners to repair or replace the damage that these events can cause. 

However, there are certain factors that determine whether you are able to get coverage. If your roof is not being maintained properly or is 10 to 20 years old it could affect the insurance coverage you receive. Insurance companies prefer homes with new roofs because they are less of a risk. By taking proactive steps to avoid any issues when it comes to getting the insurance coverage you need.

We have some tips to help ease the process

1. Know What Your Policy Covers

Your insurance policy could be ACV or RCV. ACV is Actual Cash Value and is based on the current condition of your roof. This means that factors such as age, depreciation, wear and tear, and market value. This plan is generally cheaper because it provides coverage based on the depreciated value of your roof. On the other hand, RCV stands for Replacement cost value. This means that insurance will cover  the cost of replacing your roof with a new one of similar quality, without deducting for depreciation. You can also add a rider to your policy for additional coverage and added protection against risks. A ryder could be a code upgrade which in the case of a policy being claimed will allow insurance to cover your new roof and bring it up to code with updated materials. All you would have to cover is your deductible!

2. Assess Damage to Your Roof

Roof Damage can be extremely costly and harmful to your entire home. It is important to assess the situation and make necessary repairs to ensure the safety and integrity of your property. If you don’t feel comfortable assessing this damage, you can schedule an appointment to have a professional do it. At Klaus Roofing by Green Factor, we can provide you with a free estimate!

3. Assess Damage to Other Parts of Your Home

If you have roof damage, it is possible that other parts of your home are damaged as well. Look for damage on your gutters, window screens, and your exterior walls. It is also important to check your attic for signs of water leaks or mold growth. At Green Factor Insulation, we can provide you with a free attic inspection and assess any damage to the attic that could cause more damage to your home.

4. Hire a professional roofing company.

It is important to hire a professional roofer with expertise and experience to assess the condition of your roof accurately. Overall, investing in a professional roofing company can ultimately save you money in the long run by preventing costly repairs, ensuring high-quality work, and providing you with expertise and service needed to keep your roof in excellent condition.

5. Once Approved, Get Right To Work!

The sooner your job starts, the sooner you can sleep peacefully knowing that your home is in the right hands. From the moment the project begins, dedicated professionals will work tirelessly to ensure that your roof is restored to its former glory. The team will go above and beyond to not only meet but exceed your expectations, leaving you with a roof that will protect your home at all times!

Signs of Roof Damage

1. Missing or Tears in Roofing Shingles

It is important to remember that this type of damage can not always be seen from the ground. If you are able to assess damage yourself, we advise you to be very cautious and if you have any worries at all to call a roofing professional to get a free inspection. 

2. Water Spots on Ceilings or Walls

This can be a sign of a water leak in your home and it is essential to identify the source of the leak to prevent any further damage. Water spots can be from a leak in the roof, a burst pipe, or condensation buildup. Ignoring these problems can lead to mold growth, structural damage, and potential health hazards.

 

3. Mold or Mildew Growth

This may not be seen from the outside but really be on the inside of your roof. An attic inspection will tell you if you have this or any other potential problems. Having the roof and attic inspected at the same time can ensure that all areas are addressed and leave you knowing your home is free from any potential problems that could arise from these often overlooked areas.

4. Excessive Granulation Coming Out of the Downspouts

Granulations are typically found on asphalt shingles and help protect the roof from the sun’s UV rays. If you notice a large amount of them coming out of your downspouts and piling up this can mean that the shingles are deteriorating and are losing their protective coating.

 

The most important thing to remember is that you shouldn’t wait to call! As soon as the storm ends or you notice damage to your roof, call a roofing company and have your roof inspected to ensure that no further damage is being caused to the home. Protect yourself, your family, and your home today with Klaus Roofing Systems by Green Factor!