Let’s say your roof gets damaged and you want to file for an insurance claim. How can you tell if your insurance policy covers the cost of a roof replacement? Will insurance providers only cover the cost of repairs and not the cost of installing a new roof? This article will enlighten you on whether or not homeowners insurance covers roof replacement costs.
Can I get my insurance provider to pony up to cover roof replacement costs?
There are two possible answers to this given that you have an updated coverage. Also, you will need to fully understand the terms of your insurance policy. Being unaware of the fine print will give you a lot of problems later on.
Homeowners insurance can cover roof replacement costs if:
The most insurance providers will only consider covering the costs of a roof replacement Myrtle Beach if the damage to your roof is caused by an act of nature or a sudden accident. A freak accident such as a bolt of lightning shattering your roof is one of them. Hurricanes, tornados, and hailstorms are other forms of natural phenomenon that can damage your roof. Your insurance provider will have no reason not to reimburse the costs of the roof replacement. On the other hand, there are instances wherein the insurance company won’t pay up.
Insurance providers won’t pay up if:
There’s a reason why you should take a close look at what your insurance policy says. In most cases, insurance providers will only pay for roof replacement costs if damages were caused by an act of nature. On the other hand, damage to your roof caused by neglect, lack of maintenance, natural wear and tear, and a roof beyond its rated lifespan will disqualify your claim. In general, homeowners need to take good care of their roofs. This isn’t just to keep everything in check but also to make sure your insurance provider pays up when roof repairs are needed. Always consider hiring a roofing contractor for regular maintenance.
Avoiding roofing issues
To avoid roofing issues, hire a roofer like MB Roofing Pros. By hiring a professional roofer, you can:
Save money – if you hire a roofing contractor, you will be saving money in the long run. Regular roof inspections are a lot cheaper than having to repair or replace your roof. If you do the math, you get to spend less and encounter fewer problems over the years.
Ensure your roof is in good shape – a professional roofer can ensure your roof is in good shape by properly inspecting every section of the roof and making repairs if needed.
Extend the lifespan of your roof – on average, a roof can last up to 25 years or more. With regular maintenance, you can buy more time before you need to get a new roof. Regular maintenance done by an experienced professional roofer will make a huge difference.
Keep roofing problems at bay – if your roof is regularly maintained by an expert, you will have fewer issues.
If you wish to extend the lifespan of your roof, hire MB Roofing Pros. We provide top-notch roofing services in the Myrtle Beach area. You may reach us at (843) 492-0778.
MB Roofing Pros
Myrtle Beach, SC 29577