Repairing or completely replacing a roof can be an extremely expensive home improvement project. Luckily, many homeowner insurance policies will cover the cost of the project, but only if the damage falls under certain categories.
The following is a look at some of the categories that are covered under homeowner insurance policies. If the damage is caused by one of these categories, most – if not all – of the cost of hiring a Home Improvement Broken Arrow Oklahoma company to fix the roof will be covered by simply paying a deductible.
Unpreventable Reasons Not Caused by Residents of the Home
Most homeowner insurance policies will cover any roof damage that was caused by unpreventable reasons. Unpreventable reasons typically include vandalism, accidents, or fire. These are events that the homeowner could not have seen coming and could not prevent.
Acts of God or Nature
Insurance companies often call accidents that happen as a result of a force of nature – acts of God. If the damage was caused by a hurricane, tornado, or even a wind storm, the cost to repair or replace the roof through a home improvement Broken Arrow Oklahoma company may be covered.
Unfortunately, not all insurance policies include acts of God. Some insurance companies only cover acts of God, if they are a part of a specific policy or added on before the event. If the roof has been damaged or destroyed from an act of God, it is best to consult your current insurance company to see if it is covered.
Even if the damage is caused by a covered category, the homeowner may still be responsible for covering some of the costs of the home improvement project. In some cases, insurance companies will only cover a partial amount for the repairs. Cases such as a roof that is over 10 years old and depreciated home values may cause an insurance company to reduce the payment you will receive.
If you are in need of a roof replacement or repair, click here to learn more about McPride Roofing. McPride Roofing will help you file all estimates and paperwork with your homeowners insurance company.
