Homeowners Insurance Coverage & Claims: How Covered Are You?

Maintaining your home, specifically your roof, can be quite pricey, especially when it needs repairs and replacements. Fortunately, you don’t always have to use your money for repair jobs. Many home insurers consider the roof as an important part of a house. Why? It is your first line of defense against the elements. If something’s wrong with it, it can cause bigger problems. Depending on the circumstances, you may be able to file a claim with your home insurance provider for roof repair and replacement.

Here are two common queries homeowners often have about insurance coverage and claims:

Coverage for Structure

If storms, fires, and other disasters damage your property, you may file a claim under this coverage. A typical policy includes major calamities, except earthquake, flood, nuclear accident, and war. Make sure to get 100% coverage for structure so that every part of your home is protected.

Depending on the policy, you may be able to claim for the actual cash value of your property, replacement cost, and extended replacement. With replacement cost, you will receive the amount equals to the cost of replacing the damaged property without worrying about depreciation. Extended replacement cost covers expenses up to a set percentage above the actual limit.

How to File a Claim

When filing a claim, you may need to have roofing contractors in CT assess the damage so they can give an estimate to your insurer. Some companies, however, prefer to have their own representatives evaluate the damage.

Here are some easy steps to follow to help you file a claim:

•Be sure you have your insurance policy documents with you, and they’re able to cover your roof repair expenses.

• Document the extent of the damage of your roof, and any other damage caused by it.

• Get in touch with your insurer as soon as possible to inform them of what happened to the property and file a claim.

• Follow-up your claim with your insurer. The American Association for Justice explains that an insurance company could use even an honest mistake in your documents as ground to reject your claim, so be careful.

• Have the damage assessed by a professional roofer or one of your insurer’s representatives (usually called an adjuster). Show proof, such as photos.

If you need to repair or replace your roofing in Connecticut, Vinylume can help. Contact us to learn more about our services. We can recommend different options to fix your roofing problems and even advise you on making an insurance claim.