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The Ins and Outs of Insurance for your Denver Roof Repairs
August 24, 2016
One of the most frustrating aspects of making sure your Denver roof repairs are made is insurance. Many avoid having essential fixes completed because they are not sure where to start. However, it is not as stressful as you think. Especially if you work with a great roofing company that can assist with the items needed to call your company. Learn the basics so you can be prepared for your company. It is critical to fix any issues to ensure the stability and quality of your home.
- Homeowner Insurance: Purchasing a homeowners insurance policy helps you as a homeowner rest assured for the big disasters. Also, some of the small things too. Homeowners insurance will pay for various accidents and damage to your home—anything from floods and storm damage to theft. Depending on your policy, it can also cover expenses if someone is injured at your home. When your roof fails or is damaged from inclement weather, your insurance policy can cover necessary repairs. Many mortgages require the owner to have this type of insurance so if you are unsure of what your policy covers, be proactive and ask. From there, compare what you are paying for against the weather and conditions in your area. This will allow you make sure you are getting the most out of your investment.
- Claims: If your roof has experienced damage, you can put a claim in with your insurance company to cover the costs. First, you will need to reach out to have the damage inspected. If there is damage due to a storm, be sure to take pictures soon after the storm once it is save because it may be helpful to your case. Typically homeowners can rely on the insurance company to cover the costs when repairs are needed due to weather. There may be some restrictions, so this is where it helps to know what you are paying for. If an issue arises due to a non-weather related event, or accident by you, you might not be able to get the amount fully covered.
- Older Home Roof Replacement: A roof can last up to 20 years. The older a roof gets and there become several problems with the structure, shingles, etc., the more likely it will need replaced. Especially if you are selling it. Future homebuyers may write it in the offer to have a new roof put on if it is old. Work with your insurance company to learn what your deductible is to cover the cost of the replacement of the roof. In the long run it can help you sell the home quicker and be reliable for the new owner. On the flipside, if you are buying a home, make sure the roof is stable. Consider asking to have it replaced. Learn more about roof replacement in The Washington Post’s article “Should Homeowners use Insurance to Replace Damaged Roof?”