Filing A Roof Insurance Claim In Texas: The Essential Guide
Table of Contents
Add a header to begin generating the table of contents
When it comes to replacing or repairing a roof, the costs can skyrocket. Whether the cause is hail damage or wind damage, the reality is that replacing a roof can be very expensive. Generally, with a damaged roof that is left unrepaired, you are likely to have more problems, which will lead to more claims in the future. And if you live in Texas, the severe weather might force you to deal with frequent roof damages. To avoid more expensive issues, it is always better to deal with any damages as soon as possible. It is not an exaggeration to state that roofs are some of the most expensive repairs a homeowner might make.
Luckily for you, there are ways to reduce your expenses. For instance, can be to invest in good roof insurance, which might assist you and help you cover all or at least a part of the total bill. Additionally, you can take your insurance claims process to a professional and trusted roofing contractor, like KOG Roofing.
Roofing Insurance Claims Process
Even if you have homeowner insurance that covers roof repairs, we know that the process of going through your claims can be stressful and might take long, especially because there are several actors involved, including roofing contractors, your insurance company, and possibly your mortgage company as well.
Roof insurance claims don't necessarily have to be painful. To help you get the most out of your insurance and understand why getting one can be a good choice, we prepared this essential guide on everything you need to know about roof repair. Here you'll find some interesting tips and tricks to avoid some common mistakes and to maximize the chance of getting a full reimbursement.
Some Common Roof Replacement Questions
Before contacting an insurance company about your roof replacement claim, you need to be aware of some details you must pay attention to.
Contact your insurance company to find out what is included in your policy. It is important to get in touch with them the sooner you can, as often there is a time limit within you can file your claims.
After submitting your claim, the insurance company will probably want to inspect the damage before determining their position and the amount they will cover. Usually, a roof should show clear signs of hail or wind damage to be eligible for roof replacement coverage. Insurance companies will look for significant weather-related damage, before determining their position.
Things To Consider When Filing Your Claim
You might have to consider tarping your roof, as most insurance companies will require you to prevent further damage to the roof to be eligible for the replacement.
Keep in mind that if your area has sustained heavy storm damage, you might have to deal with higher insurance rates. Also, with a simple homeowner's insurance, you might not get the reimbursement you are looking for when it comes to roof replacement. The best choice to get total reimbursement is to go for a replacement cost policy, but be aware that you'll be responsible for any deductible. If the damage to your roof was caused by improper maintenance or could have been prevented, chances are that your insurance company will reject your claim. To prevent that from happening, ensure you plan regular roof inspections and that you keep your roof clean and clear of debris, dead trees, or anything else that might damage your roof.
KOG TIP: Roofs that are older than 20 years old might be refused insurance, as most companies consider the life expectancy to be exceeded.
If you think an insurance company is denying full reimbursement unjustly, you might want to get a second opinion, however, you don't need to look for several estimates from different contractors as the insurance company will only pay for the actual repairs (referred to as fair price), no matter how much your contractor charges.
How To File Roof Insurance Claims in Texas
First of all, to file a roof insurance claim, you'll need to promptly document the damage and contact your insurance provider. Also, you need to carefully select your contractor. With years of experience in the field and a team of high-quality professionals, KOG Roofing Texas is a great roofing contractor which can assist you no matter the size of your roof damage.
To avoid problems, make sure you inspect your roof as soon as hail or storm hits it. If you are not sure you can do that alone, you can hire a roofing contractor to inspect your roof. Keep in mind that even if your roof seems intact, there might be hidden internal damages that will only be spotted by a professional roofing contractor.
The good news is that, when choosing the right roofing contractor, you'll be able to get insurance claim assistance, which will make your insurance claim process much easier and smoother. A good contractor will be able to thoroughly document the damage and submit a written explanation and estimated costs, which will make filing your claim a lot less stressful. Here at KOG Roofing, we offer all of that and more.
One more thing you need to be aware of when dealing with a damaged roof is that if you conduct repairs before contacting your insurance company, you will have to cover all of the bills by yourself, so it is always better to contact your company first.
Conclusion on Filing An Insurance Claim:
As you can see, homeowners insurance can be extremely helpful to reduce the huge costs of getting a roof replaced, but it is not all you need to be aware of. Choosing the right contractor and having your roof getting regular maintenance is also essential to ensure your roof replacement goes as smoothly as possible. If you are looking for a highly professional roof contractor in Texas, you should look no further than KOG Roofing. Don't hesitate to contact us and describe your roof situation to get a free estimate on your damage and the costs of your roof replacement. When working with us, you will be safe, as we offer a 5 year Labor Warranty and insurance claim assistance from our senior specialists, as well as a team of expert professionals that you can trust with your roof reparation!
