We all know how unpredictable the Houston area weather can be. Rain, hurricanes, high winds, even hail can all cause sudden and severe roof damage to property. As your home’s primary protection from the elements, your roof is essential. Damage to your roof requires immediate attention. It’s a good idea to familiarize yourself with your home’s insurance policy before disaster strikes and develop a plan for what to do if it does. Your roof is a large investment; make sure you’re entrusting it to capable, experienced contractors like The Houston Roofing Group.
Insurance Roof Repairs
Here are some common questions we receive about roof repairs with insurance to home roofs:
Does my homeowner’s insurance policy cover roof repairs?
Most homeowners insurance policies cover roof repair and replacement if the damage is the result of an act of nature or other accidental event. For instance, if your roof is damaged by hail or a tree branch, your insurance would likely cover the repairs. It won’t cover the cost to repair or replace a roof that hasn’t been maintained or is experiencing normal deterioration due to age. If you’re not sure about an issue you’re experiencing with your roof, call your insurance company or contact us at The Houston Roofing Group for an expert evaluation of your roof.
Wouldn’t it just be cheaper to pay for roof repair or replacement myself?
In our experience, customers who file on their insurance typically save between $10,00o and $20,000. That’s no small amount, and is worth some time and investigation. You can always contact us if you have questions about a roof repair or replacement.
Won’t my insurance premiums go up if I file a claim?
Unlike auto insurance, there is no penalty for filing a claim on your homeowner’s insurance when your roof has storm related damages. Texas state law prohibits rates from going up for damages related to “acts of God.”
I don’t really understand the insurance process. How do I know I’m getting a fair amount for my roof?
This is where the caliber of your roofing company truly shows. At The Houston Roofing Group, we will sit down with you, go over your policy, and make sure you have the proper roof coverages. We’ll also inform you of your deductible amount and then call the insurance company together to set up the claim. A member of our team will meet with your insurance company’s adjuster on the roof and be your advocate. We will also agree on a general scope of work with the insurance adjuster. Typically, about two weeks after meeting with the insurance adjuster, you’ll receive the insurance company’s estimate. We will go over the estimate step-by-step with you to make sure you understand everything and answer all of your questions.
For more information about roof repairs with insurance, check out our FAQs page and read what our customers are saying. When disaster strikes your roof, be ready to make the call to The Houston Roofing Group.