This area has already experienced our fair share of severe weather and there is most likely more to come. Many roofs were damaged in the last storm and, unfortunately, they typically take the brunt of the wind and hail. One common question is, “Will my homeowner’s insurance cover a new roof?” The answer to that question lies in the type of policy you have and the condition of the roof prior to the storm.
If your home’s roof has suffered damaged from a storm, the first thing you need to do is call your insurance agent. They will give you the necessary steps needed to file a claim. They will also let you know about any exclusions in your policy and what is available under your insurance coverage. If you have insurance through a discount policy and don’t have an agent, you will need to obtain a copy of your policy and call the number provided to file a claim.
Your insurance company may send an adjuster or they may advise you to provide pictures and other evidence of damage. After the insurance company is satisfied with the information requested, they will make a determination if you are eligible for a full replacement or repair. Some of this decision is based on the policy, the amount of damage, and if your roof was properly maintained before the storm damage occurred.
Mel Harris Company is happy to come out and give you a free estimate and the evidence requested by the insurance company. The professional staff will provide accurate estimates and top-quality repair and replacement work. If your policy will not replace the entire roof, Mel Harris Company offers 100% no money down financing with delayed payments for 90 days. Call today, 800.NEW.ROOF.