ROOF INSPECTIONS

The roof is one of the most important parts of any property. Yet, many people only bother to do inspections and repairs after they experience roofing issues. Roofing repairs are not cheap, especially if the damage is severe. To those who want to claim insurance damages for roof repairs, it is better to know the basics before approaching insurance companies.

What Are Roof Insurance Inspections?

These are reports that roofing inspectors do to assess the damage on a property’s roofing. This report involves checking the state of the roof and determining the cause of the damage.

After a thorough inspection, the roofing inspector will provide the roof insurance report to the requestor. From there, the insurance company will see if the cause for repair falls under the insurance coverage or not.

What Type Of Damages Does Roof Insurance Usually Cover?

While this may vary depending on the insurance package, most roof insurance plans only cover unpreventable roof damage on properties. These include damages from natural causes like lightning, electrical surges, fire, wind, or falling tree branches, hail damage. These also include crimes like vandalism, rioting, and theft, or accidents like aircraft or vehicular accidents.

Most property owners take out home insurance because of these unpreventable damage causes. That’s because most of these can cause huge damages, leading to massive, costly repairs. Having insurance coverage lessens the financial burden on property owners for roof repair costs.

Does Roof Insurance Cover All Types Of Roof Repair Claims?

No, it does not. Most roof insurance packages only cover unpreventable roof damage. However, most roof insurance packages do not cover damages due to preventable reasons like lack of maintenance.

Property owners have the responsibility to maintain their homes, which includes their gutters and roofs. If they deteriorate over time and are finally torn down due to unpreventable roof damages, it is possible that their insurance coverage claim will be denied. Insurance companies can say that the damage was due to lack of maintenance instead of natural causes.

Some of the signs of roof deterioration include rusted roofing sheets, porous tiles, blocked gutters, sagging flashings, and broken seals, among others. To know if their roof insurance claim can hold ground, property owners can reach out to roof insurance inspectors to get their professional opinion.

What Can Roof Insurance Inspectors Do?

Property owners can request reports from roof insurance inspectors to see if it falls under the insurance coverage. The roof insurance inspector will collect information paramount to the insurance claim. These include the following:

What is the full extent of the roof’s damages?
What caused the damage to the roof?
What should be done to fix the damages on the roof?
How much would the repair cost?

The inspectors will also take pictures of the roof as supporting evidence for the claim.

Roof Response Services

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