We understand that your home is your most important asset, and protecting it is our biggest priority. New View Roofing works with every insurance company. Our team has assisted homeowners with roof inspections and repairs following hail, wind, and storm damage. We’ll inspect your roof, identify any visible damage, and provide the information you need to make informed decisions about repairs or replacement.
Roofing Insurance Claims: What Does Insurance Cover?
Your insurance company may cover roof repairs or roof replacement – and you can typically find information on roof insurance coverage in the fine print of your insurance policy. Every carrier is different, but Every insurance company is different, but we can help you understand the condition of your roof and provide an estimate for any repairs that may be needed.
Many insurance companies cover roofing claims related to:
- “Acts of God,” which are events outside human control
- Falling objects
- Fire
- Hail
- Lighting strikes
- Vandalism
- Wind
However, your insurance company may choose not to cover your roofing claim if your roof is old, or if you haven’t maintained it properly.
Likewise, insurance companies typically don’t cover intentional or accidental damage, or if your policy has windstorm or hail exclusions.
You should read your policy thoroughly to see what your insurance company will cover – and what it won’t.
Does Homeowners Insurance Cover Roof Leaks?
Homeowners insurance may cover roof leaks, but only if they’re caused by a covered peril. Every insurance policy is different, so you need to check with your insurer to be sure. When a homeowners insurance policy does cover roof leaks, your insurance company will pay to make the repairs. However, you do need to know that most homeowner’s insurance policies do not cover damage due to a lack of maintenance or standard wear and tear.
How to Get a new Roof from Insurance
In some cases, insurance coverage may be available for roof replacement, depending on the cause of the damage, policy terms, and claim determination. In some cases, insurance coverage may be available for roof replacement, depending on the cause of the damage, policy terms, documented conditions, and claim determination. Coverage decisions are made by the insurance carrier. Insurance carriers evaluate the extent of damage and other claim-specific factors when determining whether repairs or replacement may be covered.
When submitting a roofing claim, insurance carriers may request documentation such as:
- Thoroughly document the damage. Your roof inspector will take several pictures, including photos of what caused the damage (such as a fallen tree). You should try to take these pictures before you make any temporary repairs to the roof, such as putting up tarp to protect your belongings.
- Reach out to your insurance company immediately. You should let your insurer know that your roof has been damaged and explain the extent of the damage (to the best of your knowledge). You should also confirm with the person on the phone whether the damage is covered, as well as ask how long you have to file a claim. Additionally, if your roof damage was caused by vandalism or another criminal act, you should file a police report before you contact your insurance company.
- File the appropriate paperwork to get your claim started. Your insurer will provide you with the forms you need to fill out to make a claim. As soon as your paperwork is filed, the insurance company can begin the claims process.
- Hang on to your receipts. When you pay for any repair work on your home, make sure to get receipts. You’ll need to submit them to your insurance company, and they may reimburse you. Try to wait to have professional repairs done until you’ve spoken with your insurance company – your insurer may have a list of approved contractors, or they may need to speak with the company you’ve chosen to work with before approving repairs. Additionally, if you must stay in a hotel because your home is uninhabitable, save those receipts as well – your insurance company may reimburse you.
- Prepare for a visit from an insurance adjuster. Your insurance company may send out an adjuster – a trained professional who will assess the damage to your roof. The adjuster will take several photos of the damage, what caused the damage (if possible), and the area around your home. The purpose of the insurance adjuster’s visit is to determine how extensive the damage is, as well as evaluate the approximate cost of repairing or replacing the roof.
Free Roof Inspection
Regular roof maintenance can extend the lifespan of your roof and save money on a premature replacement. As a trusted Dallas roof repair contractor, New View Roofing will give you peace of mind that your home is protected.
Working With New View Roofing: What’s the Process?
For most people, it’s best to work with an experienced roofing company to make a claim. When you work with New View Roofing, it’s a six-step process that looks like this:
- Roof inspection
- Filing a claim
- Meeting the insurance adjuster
- Reviewing and signing the agreement
- Revising the claim (if necessary)
- Roof repair or replacement
Here’s a closer look at each.
Roof Inspection
A certified New View Roofing manager will inspect your roof for damage.
Your inspector will look at your roof from its exterior and its interior, and he or she will check for signs of leaks, potential problem areas, and structural concerns, potential danger areas, and structural problems, as well as a wide range of other problems.
Filing a Claim
If you decide to file a claim, your insurance company can explain the next steps. Our team can provide photos, documentation, and a detailed estimate of the roof damage. If you have questions about your roof, your manager can help answer questions about the condition of your roof and the inspection findings. He or she can also help you explain the extent of your roof’s damage to the insurance company.
Meeting the Insurance Adjuster
Your insurance company will send an adjuster to your property to confirm the damage. If requested, a New View Roofing manager can be available during the inspection to answer questions about the roof and discuss the scope of any recommended repairs. Our goal is to help ensure visible roof conditions and recommended repairs are clearly documented.
Reviewing and Signing the Agreement
After you receive your insurance paperwork, your project manager will review the items to ensure everything is included and provide an agreement of the work to be completed. If there are any discrepancies, your project manager will get clarification through you and your insurance company. Once the scope of work is finalized, we’ll walk you through the project details and answer any questions before work begins.
Additional Roof Documentation
Roof Repair or Replacement After a Roofing Insurance Claim
Your New View Roofing manager will coordinate with you to schedule your new roof installation, and will coordinate the project based on the approved scope of work and applicable project agreements.
We are committed to providing responsive customer service throughout the project, and this process allows you to sit back, relax and let our professionals handle the work.
Signs of Storm Damage on a Roof
Although it’s not always easy to tell if your roof has been damaged after a storm – let alone decide whether you should call your insurance company and file a claim – you may be able to detect some damage from the ground.
But a professional roof inspection can help determine whether your roof has sustained storm-related damage after a storm and ask us to send out an inspector.
We’ll be happy to inspect your roof after wind, rain, hail, snow, or any other potentially damaging inclement weather.
In the meantime, you can look at your roof from the ground to check for:
- Missing, broken or cracked shingles. If you notice any issues with your shingles, even if something just doesn’t look right, you may want to have a professional roof inspection done.
- Visible “bald spots” on your shingles. Shingles are covered in tiny granules that protect them from the elements (and help them shed water). If your shingles look like they have bald spots, that may mean the granules have come off – and those shingles may need to be replaced.
- Loose debris on your roof. If you see tree branches or any other debris on your roof, you should have it inspected by an expert to make sure that there isn’t any impact damage.
- Visible leaks. If your roof is leaking, it needs professional attention. Roof leaks typically do not resolve on their own and may worsen over time, and even a small leak may contribute to additional damage if left unaddressed. If a leak is bad enough, in some cases, prolonged water intrusion may contribute to structural damage.
Even if you don’t see any damage, it’s often a good idea to have a professional inspect your roof after a storm. That way, you’ll get a heads-up about any possible damage and be able to make repairs before they become more extensive. When you maintain your roof and make small repairs as necessary, routine maintenance and timely repairs may help extend the service life of a roofing system).
Schedule a Roof Inspection Today!
