Roof replacement is a vital part of home maintenance. Without a solid roof, your home and your belongings could suffer serious damage. Did you know you could get your roof replaced at little to no cost to you other than your insurance deductible? If you’ve noticed storm damage to your roof, water spots, or shingles in your yard, your insurance may cover your roofing costs. Find out how to get started with help from Landmark Roofing.
Make a Claim
If the reason your roof needs replacing is covered by your insurance policy, you are entitled to the benefit. Not all roof damage can be covered by insurance. For example, most insurance companies will not pay for a roof that needs to be replaced because it is worn out. When it comes to older roofs, some companies may pay a prorated amount. For instance, if the estimated life of your roof is 30 years and it sustains damage after 20 years, they may only pay a third of the replacement cost to cover the 10 years of lost use.
Most companies will cover a replacement if damage was caused by a storm, fire, or other natural disaster, so if you are starting to notice warning signs of roof damage, call the professionals.
Contacting the Professionals
When damage occurs, you need to document it right away. Your insurance company will want to see proof that something outside of your control happened to your roof. Once you have documented the damage, do you call your roofer or your insurance company? Most people will call their roofer, and at Landmark, we are more than happy to come take a look. As professionals, we may notice something you might have missed that could be invaluable for getting the insurance company to pay the claim.
If we come inspect your roof and notice damage that might be covered by insurance, we may recommend that you contact your insurance company. The insurance company will send an adjuster to your property to examine your roof and the related damage. We can even help you schedule this inspection, so you don’t have to worry about a thing.
If the insurance company decides that you qualify for a replacement, we can get started. We will work with your insurance company to determine the scope of work needing to be completed. If you qualify for a full replacement, we will submit a supplement that the insurance company will pay, leaving the homeowner responsible for nothing but the deductible.
Do You Qualify?
Has your roof experienced storm damage? You may qualify for a full replacement at little to no cost. Contact Landmark Roofing to have us come take a look and get the process started. Call 443-214-2533 or email us today to learn more.