Roof replacement insurance claims are common after hurricanes if you live in Florida. Roof damage caused by tropical storms can be quite severe, it can even lead to the destruction of the entire structure of the roof. After the hurricane passes, it is necessary to repair the damage as soon as possible in order to stop the situation from getting worse. Quick fixes are not the solution, and in many cases, insurance companies will have to intervene. Our team of experts in KRS roofing supply has prepared this post to advise you on what to do after the hurricane comes.
LET’S TALK ABOUT INSURANCE COVERAGE AFTER THE HURRICANE
Roofs are one of the most vulnerable parts of your home and insurance companies know this. When your roof is in good conditions it protects your house from harsh weather, which also prevents other problems from occurring. Insurers understand that a well-kept roof reduces the possibilities of claims.
When a hurricane comes, your roof will be exposed to extreme climate conditions that are very likely to cause destruction. Insurance policies typically protect homeowners from damage caused by fire, vandalism, and “acts of God”, which include storms. Strong winds are responsible for most of the damage and can carry rocks and branches that worsen the situation. All of this is covered except flooding unless you pay an extra deductible.
Leaks are also very common and can destroy the internal structure of your roof if not repaired as soon as possible. Companies will cover leaks if they are caused by hurricanes but if you had previous water damage it will not be included. It is important to protect your house from leaks by doing a proper maintenance routine that will help you keep your roof in the best conditions.
In high-risk states, such as Florida, deductibles are higher for roof storm damages. People who live in those areas will have to purchase additional coverage to protect their house. Another option is to acquire a windstorm insurance policy.
LIMITATIONS: WHEN NOT TO FILL AN INSURANCE CLAIM
There are certain scenarios that will not be eligible for coverage. If the damage is cosmetic and doesn’t affect the integrity or internal structure of your roof, the insurance will not take care of it.
Another key point is the age of your roof. Most insurers will refuse to renew a policy on houses that are more than 20 years old unless they pass a thorough inspection. Other insurers will reimburse what the roof is worth instead of covering the cost of a roof replacement.
An old roof won’t protect you from hurricanes, that’s why our expert roofers strongly advise you to replace it. Taking your time to improve your home’s conditions will not only keep you safe from storms but it will help you get better terms for your insurance.
ROOF REPLACEMENT OR REPAIR?
Insurance companies and policyholders always struggle with this question. In order to answer it, the Florida Building code established the 25% Rule to determine if your roof should be repaired or if it needs to be replaced. The rule states that “Not more than 25 percent of the total roof area or roof section of any existing building or structure shall be repaired, replaced or recovered in any 12 month period unless the entire roofing system or roof section conforms to requirements of this code”.
Essentially, if more than 25% of your roof suffers damage it should be replaced. If less than 25% is damaged then it has to be repaired. The percentage will be calculated over a period of 12 months, which means that during those months if additional repairs are needed and generate damage beyond that 25%, then that roof section has to be replaced.
FILING A ROOF REPLACEMENT INSURANCE CLAIM
You will have a limited amount of time to file a claim to the insurance company. The best thing to do is to get in touch with your insurer to get roof replacement insurance claims.
Follow these steps to file a roof replacement claim
- Contact your insurance provider and learn about the coverage of your policy
- Submit photos that show the conditions of your roof before and after the storm
- Schedule an inspection with the company
- Find a licensed roofer that can fix the damages quickly.
ALWAYS PROTECT YOUR ROOF FROM HURRICANES
Roof replacement can be quite costly but you can prevent it with the appropriate necessary measures. Twice a year perform a roof maintenance routine, replace worn shingles, cut tree branches, and check the gutters. Don’t underestimate minor damage as it can turn into bigger problems with everyday wear and tear. Avoid having to file a claim after a hurricane and contact our team in KRS roofing supply to help you with all the repairs you need. Don’t forget to visit our Instagram and Facebook page to learn about our deals.