Texas Roof Insurance Claims and Deductibles
Over the years working as a roofing company, LOA Construction has worked extensively with roof insurance claims and deductibles in Austin, Texas. Austin, Texas homeowners’ roofs are especially susceptible to storm and hail damage, as well as long-term sun exposure. When choosing a contractor to repair or replace your roof, it’s incredibly important to understand how they handle roof insurance claims and deductibles.
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Roof Insurance Claim Process Austin, Texas
1. Look For Damage After a Storm
If you suspect your roof has been damaged by hail or high winds in a storm it’s important to find and address any possible issues.
One of the easiest ways to uncover damages is with the help of a roofing contractor in Austin, Texas.
Many roofing contractors will provide insurance claim assistance. This will make your insurance claim process much easier.
2. Take Pictures and Document Related Details
Your roofing contractor will know how to find damage and thoroughly document it. Ask that they take pictures of the damaged roof and submit a written explanation of what needs to be repaired, as well as the estimated cost. This will make filing a claim a lot easier.
3. Contact Your Insurance Company and Find Out What Your Policy Covers
Next step is to take the report from the roofing contractor and contact your insurance company. Verify that the needed repairs will be covered under your current policy. Do this as soon as possible, as most claims must be filed in a certain time period.
4. Choose a Reputable Roofing Contractor
If the roofing repairs are covered by your homeowner’s insurance, you will be issued funds to repair the damage, and can then choose the roofing contractor to complete the repairs or replacement. Be sure the roofing company you choose is both licensed and insured.
Improper Maintenance: Insurance companies will very often reject your filed claim if the damage your roof incurred was due to improper maintenance and could have been prevented had the proper maintenance been done.
Do your best to avoid this situation entirely by scheduling regular roof inspections by professionals.
roofing laws in Texas
Roof Replacement Insurance
When you sign up for home insurance the amount of coverage and a deductible is set. Once the deductible is met, in most cases the insurance company will pay for the rest of the repairs. An example would be a replacing a roof damaged in a storm. If a new roof costs $10,000 and your deductible is $1,500, the insurance company will pay $8,500 for the roof replacement.
Damage Specific Deductibles
Insurance companies refer to causes of property damages as perils. Most homeowners insurance policies are structured with “all peril” coverage and are packaged with an “extended coverage” clause that covers (among other things) hail and wind, the two most common perils leading to roof replacement.
Hurricanes and tornadoes are often grouped under high “windstorm” perils but some policies may have them grouped differently. That’s why it’s important to check your policy.