With strong winds, hail, thunderstorms and hurricanes, roofs can take serious damage in Florida. The big question is how to get insurance to pay for roof replacement costs? If you don’t need your whole roof replaced and it’s just a leak, does homeowners’ insurance cover roof leaks? How can you file a roof damage insurance claim? Many questions arise when it comes to replacing a roof through your homeowners’ insurance policy.
How to Get Insurance to Pay for Roof Repairs
When you file your roof damage insurance claim as a covered peril, your insurance company SHOULD cover all costs to replace your roof. Your insurance company is only obligated to repair or replace your roof – whichever costs less. Although, in Florida, there is the 25% Roof Replacement Rule in the Florida Building Code. A part of this code states that no more than 25% of the total roof area or roof section of a structure shall be repaired, replaced or recovered in any 12-month period unless the entire roofing system or roof section conforms to requirements of this code.
The 25% Roof Replacement Rule means that if more than 25% of your roof is damaged, your homeowners’ insurance has to pay to replace the entire roof. If your home or business has several roof segments and only one segment is damaged by more than 25%, then only that segment is replaced. If your homeowners’ insurance doesn’t want to pay for your roof replacement, you should get a public adjuster involved, like Sentry Public Adjusting. We know how to get insurance to pay for roof replacement for your home. We advocate on your behalf to your insurance company to get you the most out of your damage claim.
Does Homeowners’ Insurance Cover Roof Leaks?
Analyzing your homeowners’ insurance policy can be time-consuming and tiring. How do you know if your homeowner’s insurance covers roof leaks? You may wonder how to get insurance to pay for roof repairs. Depending on your policy, if it is the result of a covered peril, such as wind or hurricane damage, it should be covered through your homeowners’ insurance.
If your roof leak is from normal wear and tear, how to get insurance to pay for roof repairs may not be a legitimate concern. If the roof leak is due to acts of nature such as storms, it should be covered. If there is a particularly strong windstorm and your roof develops a leak as a result, your homeowners’ insurance may not cover your roof leak because of an anti-concurrent causation clause—meaning you may be left without coverage for your roof leak. A situation like this is when having a public adjuster on your side is beneficial. Sentry Public Adjusting can fight for you to get the most compensation for your roof leak. Does your homeowners’ insurance cover roof leaks? Call Sentry and our public adjusters may know how to get insurance to pay for roof leak repairs in that scenario.
Filing a Roof Damage Insurance Claim
The process of filing a roof damage claim is tedious. Filing your roof damage insurance claim yourself, without the help of a public adjuster, can mean the difference between your claim being denied by the insurance company. When it comes to how to get insurance to pay for roof replacement, having Sentry Public Adjusting on your side can make the difference. We will perform a free inspection of the damages and properly file your roof damage insurance claim for you.
Dealing with insurance companies when your home is damaged is stressful. Let Sentry Public Adjusting take the stress off you. Sentry Public Adjusting can handle your roof damage insurance claim from the beginning of the filing process to the end when you receive your claim settlement. Contact us at 844-443-4357 today for a FREE inspection of your residential or commercial property damage.