Although insurance companies provide coverage to homeowners as protection against financial ruin when damage occurs, those companies also are in business to make a profit. They only cover certain types of incidents that cause damage to Roofing in Bergen County NJ and may conduct an investigation if they suspect everything is not as it seems. Most of the time, however, damage to a roof is caused by qualifying incidents like a severe storm or a lightning strike.
Examples of Weather-Related Damage
Weather-related damage to Roofing in Bergen County NJ can happen in several ways. Hail can dent and break shingles. Strong winds can blow the shingles off. A lightning strike causes burn damage to a roof and sometimes starts a fire, although the homeowner may be fortunate enough for heavy rain to be falling, quickly putting the fire out. A big tree branch might break off and fall onto the roof, or an entire tree may be uprooted and blown over onto the structure.
The Insurer’s Point of View
Usually, these situations are straightforward and do not raise red flags with the insurance company. The insurer can easily determine whether a severe weather event occurred in the neighborhood as the policyholder states. The storm may have damaged some other buildings in the area, which is typical with hail and high winds.
There will be times when an insurer wants to investigate further or denies a claim because the homeowner was technically responsible for what happened. An investigation may discover a tree that fell on the house had already been unstable and a worrisome sight to the next-door neighbor. The insurer may state that this situation should have been addressed before a storm blew it over.
Completing Preliminary Protective Work
Even before everything is resolved with the insurance company, a contractor such as company Construction can complete the preliminary work of covering the damaged part of the roof so the home will not be damaged further. It’s imperative to keep water from leaking into the building before the repair or replacement work is complete. Information on this particular roofer can be viewed at our website.
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