Being a homeowner is the American Dream, but sometimes that dream can turn into a nightmare when nature strikes. And living in Pennsylvania, you know that your home is certainly susceptible to the wrath that winter can deliver. So, when it comes to filing an insurance claim once your home’s roof is damaged, you will want to have a better understanding as to how the insurance company may respond.
Homeowner’s Insurance Policy
If you own a home, you most likely have a homeowner’s insurance policy. This will cover situations like fires and home burglaries. When Mother Nature strikes, a good majority of damage sustained due to bad weather is likely covered as well. However, it always helps if you read your policy completely and know what is covered before any damage is done. You should definitely read up on your policy when inclement weather is imminent, and have a company who does roof repair in Bucks County onhand.
Insurance Claim For Roof Damage
Each homeowner’s insurance policy and its terms vary, and every claim filed with a homeowner’s insurance company is different. Your insurance company has a limited time-frame for when they would be liable for storm damage. Roof replacements and repairs are usually covered by most homeowners’ policies. However, it takes a trained eye to find damages that occur due to the result of a storm.
For example, if your home’s roof was damaged by a severe hail storm, the inspector may loook at the following to assess the damage:
*The angle or slope of the roof;
*The direction, shape, force and size of the hail’
*The shingle’s manufacturer;
*The type of shingle;
*The age and prior condition of the roof.
Damage from the wind may also be covered under your insurance policy. You may also have a claim for damage even when none of your shingles are missing, but this is dependent up on your policy.
The Claims Process
Once you have decided to file a claim for roof damage, you will want the assistance of a professional who can help you start the process. From there, an adjuster is assigned to your claim and will set a time for an inspection. Once the inspection is complete, the insurance adjuster will provide a detailed description of the repair that needs to be done. You’ll work with your local roofing repair facility in order to schedule the repairs. Make sure the roof repair in Bucks County company has provided you with a detailed outline of the work to be performed. A final invoice will be sent to your insurance company for payment.