In Florida, severe weather can damage a roof on a modern or vintage home. If you’re unsure whether or not your home has proper insurance coverage, there are ways to investigate.
Insurance Coverage Steps
By contacting your current insurance provider, you can quickly find out if the policy covers roof damage. Policies that are provided by traditional insurance companies will vary, however, many insurers will only offer funds for roof repairs following a situation that involved a fire or vandalism. If weather damage is included in your policy, find out the amount of assistance you’ll get.
If you decide to shop for a new insurance policy, you must consider the age of your roof. If the roof is less than 10 years old, an insurer may help you replace specific sections that were damaged in a storm. In most cases, you’ll only get money based on the depreciated value of your roof if the shingles are over a decade old.
Florida Insurance Claim Procedures
After high wind damages your roof, you must call an agent and file a Florida insurance claim in a timely manner. You’ll need to give the agent your new address and an alternative phone number if the damage to your home forced you to temporarily relocate. Later, the insurance company will send the claim by mail, or an adjuster will visit your home.
After the storm, grab a camera and take pictures of the damaged sections on your roof. If possible, you may want to get on the roof to capture detailed shots. The process of getting reimbursement might be challenging if you don’t present clear evidence.
Storm Damage Roof Repair Strategies
If you need to make temporary repairs or replace household items in order to make your home livable, make sure to document all of your repairs and costs. You’ll need receipts for everything to get full reimbursement from the insurance company.
Overall, because tropical storms and hurricanes can damage and destroy shingles and other roofing components, all Florida residents should have proper insurance. If you need help repairing your home or building, various storm damage roof repair options are available at Quality Discount Roofing.