Filing a homeowners insurance claim for damage to your home can be a tedious and stressful experience. At MD Roofing and Solar, we offer prompt, comprehensive services to help you navigate the insurance claims process quickly, starting with a free inspection of damage. We will provide documentation of damages, a free estimate of repairs, and even meet with your insurance adjuster to ensure nothing is missed.
Following unexpected damage, we understand that your highest priority is protecting your home. Our customer service team will be with you every step of the way to ensure your roof is repaired or replaced as quickly as possible.
Following unexpected damage, we understand that your highest priority is protecting your home. Our customer service team will be with you every step of the way to ensure your roof is repaired or replaced as quickly as possible.
Does homeowner’s insurance cover roof replacement?
Typically, homeowners insurance will cover a roof replacement if the damage resulted from fire, hail, wind, vandalism, lightning strikes, falling objects, or natural disasters. However, if your roof needs to be replaced due to gradual wear and tear or neglect, your insurance likely will not pay for it. This is especially true for roofs more than 20 years old.
What should I look for after a storm damages my roof?
Colorado Springs is no stranger to severe weather, which can cause damage to your roof. Depending on the extent of the damage, it could be unsafe to examine your roof yourself following a storm. Instead, immediately schedule a free roof inspection with a licensed roofing contractor who will assess the damage and ensure your safety. You can visually assess damage to your roof, gutters, vents, windows, and home exterior by walking around the perimeter of your home and taking notes. MD Roofing and Solar will be able to assess the damage and offer a free estimate for a repair or replacement.
How do I file an insurance claim for roof damage?
If you experience roof damage, your first call should be to schedule a free roof inspection. MD Roofing and Solar will assess the damage and offer an estimate for repairs. Next, contact your insurance company to see if the damage is covered. You will file your insurance claim by providing all documented damages and a written estimate of repairs. An insurance adjuster will then visit your home to meet with you and your roofing contractor. Your insurance company will either approve or reject your claim, and confirm how much you will be compensated for repairs. If your claim is approved, MD Roofing and Solar will begin work on repairs or replacement.
What if my insurance company denies my claim?
If your claim is denied, you have the option of disputing the insurance denial. However, read through your policy carefully before disputing. Claims may be denied simply because the cost to fix your roof is less than your deductible amount. If you disagree with the denial, you can file an appeal and schedule a re-inspection with both the insurance adjuster and your roofing contractor. Additional evidence may be necessary to support your claim.
When will I receive payment from the insurance company?
After your claim is approved, the insurance company typically has five days to issue payment. If there is a mortgage on your home, the repairs check will typically be made out to both you and your mortgage company. Both you and your lender will need to endorse the check before paying your contractor. Your insurance company is only liable for the actual cost of repairs. If repairs cost more than the original estimate, MD Roofing and Solar will submit receipts of work and request additional payment from your insurance company to cover the full amount for repairs.
What types of home insurance policies are there?
There are eight different types of homeowners insurance that offer coverage for a wide variety of properties and needs.
- HO-1 is the most basic policy for single-family homes, and is not very common.
- HO-2 is a more commonly used policy for single family homes, and offers a slight upgrade from HO-1.
- HO-3 is the most common policy for single family homes, and provides “all-risks” coverage in addition to standard natural disaster coverage.
- HO-4 is specific to renters.
- HO-5 is the most comprehensive policy for single-family dwellings, and is typically recommended for high net-worth properties or high-risk areas.
- HO-6 coverage is designed specifically for condo owners.
- HO-7 offers coverage for owners of mobile or manufactured homes.
- HO-8 covers properties that wouldn’t meet the typical insurer standards for other policy forms.
Should I contact a roofer or insurance company first?
When filing an insurance claim for roof damage, it’s important to contact a roofing contractor first. MD Roofing and Solar offers prompt, free inspections to assess the damage of your home. That way, when you contact your insurance provider, you will be able to offer an accurate assessment of the damage.
