Roof Damage Insurance Claim Wind

The roof damage insurance claim process the insurance claim process for roof damage is not always simple.

Roof damage insurance claim wind.

It is possible that an insurance claim for roof damage will be denied because of the age of the roof. Thunderstorms wind storms hail storms and even tornadoes can all cause wind damage to your property and even high winds can wreak havoc on unsecured structures or rooftops causing roof leaks and other potentially catastrophic roof damage. Your insurance reimbursement will be based on the. Most policies also offer some coverage for fallen trees that damage your home provided the tree broke because of a storm or wind.

Homeowners insurance typically covers wind damage. First your shingles and roofing may have discolored with age. That may sound like a basic idea but it can run into some problems in practice. Check your homeowners insurance policy to find out if wind damage is covered by insurance.

If you live in an area where roof damage from windstorms and hail is prevalent or possible the decision you make about this coverage could mean the difference between paying out just your homeowners policy deductible or your deductible plus depreciation costs. If you have roof wind damage your insurance company has a legal obligation to repair or replace the roof whichever costs less. If the roof is too old or the damage is caused by normal wear and tear it is unlikely that your insurance policy is going to cover the cost to repair the damage or replace the roof. If you are dealing with roof damage caused by wind you may be able to submit a homeowners insurance claim.

If the storm damage is widespread independent inspectors are brought in to handle the load of claims. If you live somewhere where wind damage or wind storms are a regular occurrence you should know how to handle wind damage insurance claims and. This difference could amount to thousands of dollars depending on the age of your roof. Coverage also usually includes damage from hail wind driven rain or snow that gets inside the home when a roof or wall is damaged due to wind.

The more details you have the more valid your arguments will be when it s time to make a roof related damage claim with your insurance company. In addition to the homeowner most insurance claims involve an insurance adjuster who is essentially a representative for the insurance company. However they re hired and paid by the insurance company too. After a wind hail storm tornado or other natural disaster that could affect the state of your roof it s important to document as well.

To determine this insurance company will send out its own adjuster someone that works for the insurance company. Wind damage roof insurance claims a guide on what to do and who to call wade tutt.