Your wind damage to roof insurance claim will depend on the policy conditions and the reasons why your roof needs to be repaired or replaced. Typically, a policy covers problems that are sudden or accidental and caused by certain events, such as wind, fire, hail, or the weight of snow.
If you live somewhere where wind damage or wind storms are a regular occurrence, you need to know how to deal with wind loss insurance and similar insurance issues that are often covered by your home insurance policy – but as always, review the policy and see if you are insured against wind damage to your roof or other property, or if you need to take out additional wind insurance.
How does wind damage to roof insurance claim work?
If your roof is damaged due to the risks provided for in your policy, you can file a claim with the insurance company for full or partial replacement of the roof. But your insurer will not pay for the replacement or repair of the roof, which is gradually deteriorating due to general wear and tear or negligence. Homeowners insurance is not a service policy. You are as responsible for maintaining your own roof as you are for maintaining the rest of your home.
Does my homeowners insurance policy cover wind damage to roof?
A typical homeowners insurance policy against all risks covers your roof and the cost of replacing it if it is damaged. This is good news. But usually you get a guarantee only if the damage or destruction is the result of a sudden accident or natural disaster. Problems caused by general wear or tear of the roof, the service life of which has exceeded the expected service life, are not reimbursable, as they fall under the general responsibility of the homeowner.
The only two major catastrophic events that are not normally covered by your insurance company are floods and earthquakes. Sometimes, if there is a storm that creates windy weather and floods, it can be difficult to determine which event caused which damage. The public regulator can help with this.
Can I claim for roof repairs on insurance?
Yes, if you have damage to the roof from the wind, your insurance company has a legal obligation to repair or replace the roof, whichever is cheaper. This may seem like a basic idea, but in practice it may face some problems. Many homeowners’ insurance policies have a so-called causal warning. This paragraph states that when two accidents occur at the same time and the homeowner is covered by only one, the insurer does not cover your losses.
In practice, this means that if a windstorm blows down the roof of your home and then floods your home, your insurer may refuse to cover the damage because flood insurance was not included in your policy. Depending on the nature of the claim, insurance companies will check whether the problem was “covered by the event” and whether the company will pay based on this investigation.
ALSO CHECK: What are the types of insurance claims?
Wind damage to roof insurance claim process
· Check your property
If there is a strong wind in your area, inspect your property for damage to the appearance of your home or business, including roofs, windows, doors, and siding. You may want to consider contacting a professional who has the appropriate tools, equipment, and knowledge to identify problems.
· Assess the damage.
If you suspect that the roof is damaged by a storm, inspect the entire house, not just the roof. You will want to know the extent of the damage when you contact your insurer to file a claim.
· Review your insurance policy.
The first good step in filing a roof claim is to try to understand your policy. It doesn’t make sense to fight for coverage you’ve never had. For example, is roof damage actually covered, or have you decided to exclude wind and hail damage? Is your coverage the replacement cost or the actual cash value?
· Getting an estimate
Get a rating of repairs based on what you had, not how you want to change something. Do not rely on the adjuster to determine the cost of repairing the roof. Be sure to get a written estimate on the roofing company’s letterhead with the company’s contact information.
· Make an appointment with an insurance adjuster
Your insurance company will make an appointment with an adjuster who will come to you and assess the damage to the roof. The installer will go to the roof, assess the damage, determine what is covered and what does not apply to your claim on the roof, and will provide you with an estimate that you will provide to the roof contractor. Ask the adjuster to share any documentation with you.
· Keep a journal of correspondence.
What begins as a simple statement can turn into a nightmare. You will be happy if you keep records from the beginning, including photos of whom and when you talked to and what they told you.
· Contact your insurance company for compensation for roof damage
If you notice anything damaged, tell your insurance company about the loss. Use this opportunity to ask about your coverage, deductible, how long it may take to resolve your claim, what information you need to provide if you need specific contractors. You need to be able to get out of the conversation with a good understanding of how to move the ball.
· Consider temporary repairs
Inspect your home or business for damage and determine if temporary repairs are needed to prevent the damage from getting worse. Take a picture of the damage before starting work, and make sure that the insurance company’s regulator does not need to see the building in person beforehand. Save all receipts and documentation from your temporary repairs.