How Do You Get Insurance to Pay for Your Roof Replacement?

Every once in a while, we have to do things that we don’t want to do. Replacing the roof of your home is one of those things. It is never fun dealing with the hassle and uncertainty of contractors and trying to find a creditable one. Luckily we have you covered. We will discuss what you need to know to get your insurer and insurance adjuster to cover the cost of your roof replacement.

What Makes A Roof Uninsurable?

If you are planning on having your insurance company provide the funds for your roof replacement, you will need to keep a few things in mind. The insurance company will have one of its agents inspect the roof in question. This will give the insurance company an idea of what caused the roof to require a replacement. The insurability of your roof will rest on a wide range of factors that the insurance company will consider when assessing your home. Here are some of the factors that affect the decision:

1. Your homeowners’ insurance coverage – Not all insurance plans cover the costs of installing a new roof, roof repairs, or roof damage in your home. You have to look up your policy to see what is covered under the plan before you plan on being reimbursed for anything. 
2. The age of your roof – This is one of the most prominent factors regarding the insurance company’s decision about your claim on Residential Roof Installations in Indianapolis. Most roofing insurance companies will check your roof to find out how old it is. Newer homes are viewed as more lucrative, so they may get a higher rate, while older homes carry more risk, so that they may get a lower rate. When a roof gets to be over 15-20 years, an insurance company may claim the roof damage is not eligible for coverage based on its age. This may diminish the amount of your claim to the extent you get nothing back that you put into the roof.
3. The condition of your roof – Your insurance company will point out even the slightest blemishes in your roof. This is an attempt to avoid liability in your roof insurance claim.
4. The roof damage – There are numerous roofing materials and styles. With that said, not all materials and designs are built equally. You may find that the design of your home dictates the price of your claim more than you know. Gable roofs, for example, tend not to hold up as well as metal roofs in intense wind storms.
5. The materials used for your roof – The materials you use on your roof may significantly affect the cost. A metal or slate roof has better durability and is a highly-regarded roofing material. Any materials deemed less resistant to Mother Nature will likely come with more pushback regarding your claim.

You will be asked about roof repairs, roof coverage, and more when you file an insurance claim with the insurance agent while discussing the Indianapolis residential roofing setup of your home. This makes the process easier for you to understand and for the insurer to quote a price. If your home qualifies for a policy, then you can purchase one as long as the insurer finds you and your home are worthwhile candidates.

How Do I Make A Successful Water Leak Insurance Claim? 

There is a system the insurance company follows when processing claims. To successfully file your claim, you will need to follow these steps. If all the steps have been finished, then your insurance claim will be successful. Here are the steps you will need to make a water leak claim successfully:

• Document the damage caused by the water leaking into the roof.
• Contact a qualified roofing contractor to come out and inspect your home. 
• File a water damage claim through your insurance company.
• If the insurance company approves the job, they will send out a check to you so the job can be started.
• Schedule a date for the roof to be repaired.
• The insurance company will cover the rest of the costs for your new roof.

How Long Do I Have to File a Homeowner’s Insurance Claim in Indiana?

In Indiana, you have two years from the incident to file a claim. This statute covers any injuries along with any property damage. If you fail to file the claim on time, you will likely be denied, and your claim will no longer be valid. It is best to act swiftly when dealing with insurance claims. Insurance companies have been known to use underhanded tactics to stall the process, which leaves you with less time than you initially would be granted. 

Can I Use Any Contractor For A Roof Replacement Insurance Claim?

As long as the contractor is licensed and insured, you can use them for your roof replacement. You want a reputable roofing company on your side as you file for general liability insurance, worker’s compensation insurance, or another roofing claim with your insurance provider. Your Indianapolis roofing contractor will pull a permit for your roof repairs if it is a complete roof replacement instead of a partial fix.

Hail Damage and Home Insurance Coverage: What To Know And Look For In An Indianapolis Roof 

Hail damage is one of the biggest concerns when dealing with a roof. You may not be aware of what you should be doing as a homeowner to fix hail damage that may damage the integrity of your roof. We will address hail and how it affects the roof of your Indianapolis home.

Is hail covered under my Indiana insurance coverage policy?

Yes, hail is one of the damages you will have covered under your homeowners’ insurance policy.  Any damage done to any other structures on your property, such as a barn or treehouse, is also covered. 

What areas of the home are affected most by hail?

Hail damage can be unpredictable. It is hard to determine when hail will strike, but knowing the areas where it will likely do the most damage is not such a challenge. Hail tends to damage areas like roofs and the siding, windows, and gutters of your home. No need to worry though, as each one of these issues would be taken care of with your coverage.

When inspecting your roof after hail, look for weak points in the roof that may have been compromised. You will want to do this after any severe storms to ensure your roof is in good form.

Hire a Respected and Affordable Local Roofing Contractor Before Filing Your Insurance Claim

Hiring the right contractor for the job can make or break the project. Be sure to do your due diligence when searching for roofing specialists. You do not know any of these contractors, so you only get to go by what others say about them. 

Just because a price is affordable does not mean that the workmanship is of good quality. You usually get what you pay for. With that said, there are some great contractors out there helping people out while offering reasonable rates. Doing your research will help you avoid choosing the wrong contractor.

Contact Our Indianapolis Roof Repair Team Today

When you need the job done right, give us a ring. We will get you the new roof you dream of at a price that will not break the bank. Contact our roof repair Indianapolis experts today, and let’s see what we can do for you.