The last thing you want to deal with after your roof is damaged by strong winds or an unavoidable accident is your insurance carrier telling you the damage isn’t covered by your policy. But how can you avoid being rejected by a provider? Doesn’t homeowners insurance cover roof replacements?
Use this guide to understand what kind of damage is covered by homeowners insurance and how working with a trusted roofer in Simi Valley can help you get the most out of your home insurance coverage.
All-Perils Homeowners Insurance for Roof Repair Simi Valley
Insurance carriers typically divide damage into two types:
- Damage caused by natural disasters and accidents
- Damage caused by general wear & tear
It’s important to understand the difference between these types of damage. You will also want to consider how wear & tear can exacerbate the damage from strong winds or an accident and affect how your insurance carrier will treat your claim.
Damaged Caused by Natural Disasters & Extreme Weather Conditions
An all-perils policy will have you covered against damage done by freak accidents. This could include:
- High wind conditions
- Extreme weather events such as hurricanes
- Any destruction caused by falling debris and tree branches
Remember that even in these cases, inspectors will take the state of your home before the incident into consideration. If they believe that your home was not properly maintained by Simi Valley roofers before an accident and that damage done by strong winds could have been avoided with proper maintenance, you may not receive coverage.
For this reason, it’s important to schedule regular inspections from trusted roofers in Simi Valley and have them perform maintenance where it’s needed. This can provide you with evidence that your home has been well-maintained. In an ideal case, the Simi Valley roofing company you work with will communicate directly with your carrier to prove that they performed regular maintenance.
Is Wear & Tear Covered by Homeowners Insurance?
Wear & tear refers to damage that builds up over time due to a lack of maintenance. Carriers will categorize this as the homeowner’s responsibility, and it is not covered in almost any policy. This means that you can’t claim for issues like shingles falling after years without inspection or maintenance, or damage that is done to an especially old roof.
Your best bet is to ensure that you schedule an inspection at least once per year and to update your roof with long-lasting materials or whenever the warranty on your current system is due to expire.
You can talk to your Simi Valley roofing company to understand more about long-lasting materials and to arrange regular inspections that can help you when negotiating with your insurance carrier.
Simi Valley Roofing Inspections for Insurance Claims
Regular inspections provide you with evidence that your home has been properly taken care of. This means that in the event of damage by a natural disaster or extreme weather conditions, your insurance carrier is more likely to cover the cost.
Roofers in Simi Valley may also have an in-house team of adjusters who can work with your insurance carrier to get you the best deal. Ask your Simi Valley roofers if they offer this service.
Get the Most From Your Insurance by Working with Simi Valley Roofers
Any trustworthy company offering roof repair in Simi Valley will stand by its work and work on your behalf to get you the best results from your insurance claim. By scheduling regular inspections and keeping your home maintained, you can guarantee yourself more peace of mind if an accident happens.