The insurance industry is a complex maze that many homeowners find difficult to navigate, especially when it comes to understanding what’s covered under their policy. One of the most common questions that arise pertains to roof replacement. If you’re a homeowner in West Hills and are wondering about insurance coverage for your roof replacement, here’s what you need to know.
Firstly, it’s important to understand that not all types of damage are covered by your homeowner’s insurance. Typically, the policy covers risks like fire, hailstorm, windstorm or other ‘acts of God’. However, wear and tear due to age or lack of maintenance is generally not included in the coverage. Therefore if your roof has simply reached its lifespan and needs replacing because it’s old and worn out, don’t expect your insurer to foot the bill.
Secondly, even if the damage is caused by an event that’s covered under your policy such as a storm or fire; how much you’ll receive from your insurance company can depend on several factors including the age of your roof. Many insurers use depreciation scales which means they take into account how old your roof was at the time it got damaged before deciding on how much they will pay towards a new one.
For instance, if you have an asphalt shingle roof with a lifespan of 20 years and it gets severely damaged after 15 years in a hailstorm; instead of paying for full replacement cost minus deductible (as many homeowners mistakenly believe), some insurers may only cover part of this cost considering five years worth depreciation.
Another crucial aspect involves filing claims correctly. An incorrect claim can lead to delays or even denials by insurers so make sure you document everything thoroughly right from when damage occurs until repairs are completed. Take pictures immediately after any incident causing damage and maintain records including estimates from roofing contractors.
Also remember that while choosing whether or not file claim should be based on extent of damage versus deductible amount; continuous claims can lead to higher premiums or even policy cancellation. Therefore, it’s wise to consult with a knowledgeable insurance agent before making this decision.
Lastly, always ensure you hire licensed and insured roofing contractors for any repair or roof replacement contractor west hills, there are many such professionals who can help you navigate through the process smoothly while ensuring quality workmanship.
In conclusion, understanding your insurance coverage when it comes to roof replacement is vital as a homeowner in West Hills. Always be proactive in maintaining your roof’s condition and stay informed about your policy details. This will save you from unexpected expenses and stress when the need for roof replacement arises due to damage from unforeseen events.
Reign Roofing
6700 Fallbrook Ave #289, West Hills, California 91307
747-335-5560