Residential Roofing Contractors
Investing in roof maintenance is one of the best things you can do if you want to save money from roof repairs and replacements in the future. Nonetheless, some situations are either unpredictable or unstoppable and when those situations strike, you have to spend some money on roof repairs.
We are, of course, talking about things such as hail damage, storm damage, and wind damage. However, what can you do if you don’t have enough money to repair the roof? The answer is to file a roof insurance claim to get enough money for the replacement or repairs needed.
Unfortunately, many people are scared to contact their insurance company to claim their homeowner’s insurance since they think that could cause problems, such as losing discounts in the future. The truth is that even if the process to contact your insurance company can be stressful, you should do it.
Do you want to benefit from homeowners insurance? It’s time to contact a roofing contractor to help you with the matter. Here at Water Damage and Roofing of Austin, we are happy to help you, so call us and tell us how we can help you!
Related Article: How To Get Storm Damage Roof Repair From Your Insurance Company
How Prone Are People To Suffer From Roofing Damage In Austin?
As we mentioned before, homeowners insurance is there to help you when unforeseeable issues damage your roof, but how prone are those issues to happen in Austin?
You have to consider the time of the year we are in since everything depends on the weather. Regarding hail, hail, for example, is not as common as other weather phenomena that could damage your roof. The last hail in Austin was on March 21, 2022.
On the contrary, thunderstorms are much more common in this city, so storm damage could be a good reason to contact your insurance company and file a roof damage claim. Austin gets several sudden storms throughout the year, so insurance companies are used to roof insurance claims coming from this problem.
Wind damage is prone to happen in April since it’s one of the windiest months of the year in Austin. However, you shouldn’t worry about things such as tornadoes or hurricanes since, although they can and have happened, they are not as common as other thunderstorms or other weather phenomena.
Is The Roof Insurance Claim Process Complex? How To Deal With The Insurance Company
The short answer is that it depends on how severe the roof damage is and the insurance adjuster you deal with. On a basic basis, the process to contact your insurance company and file a roof damage claim shouldn’t be that complex, and you should only need to file the claim and get the benefits of it.
Nevertheless, insurance companies don’t approve all insurance claims, so things get a bit trickier if you want to make a roof damage claim you know your insurance company will approve. This often includes handling some paperwork and studying your insurance policies and what they cover.
Going through the insurance claim process becomes much easier when you rely on a roofing contractor or insurance agent who can help you deal with the insurance company. The reason for that is they will explain every step of the process to you and tell you what you should do to avoid making any mistakes while filing the claim.
When addressing other situations, such as car insurance, people have even called lawyers to help them get the insurance company to get them the money they deserve since insurance companies often do what they can to avoid paying for insurance claims.
Regardless of that, you should be good to go with a decent roofing contractor or an insurance agent.
Can I Get The Actual Cash Value Of What I Lost With A Roofing Damage Insurance Claim?
Actual cash value coverage is one of the things people benefiting from homeowners insurance aims for when filing a roof damage claim. The reason for this is many insurance policies don’t pay you the value of what your roof may have cost you in the past but rather what it’s worth today.
Setting cars as an example, if you got a car for $10,000 when the car just came out, and five years later the car is worth $7,000, the insurance company will give you $7,000 for the accident, which is $3,000 short of what you invested in the first place.
Nonetheless, if you have actual cash value coverage, you can get the full replacement cost of what you need to pay for the roof, so you won’t have to take money out of your own pocket to repair roof damage.
This is something you have to negotiate with your insurance provider and see if the insurance company you enrolled into offers you that. If it does, you and your insurance agent should do your best to get that since that would be the best-case scenario.