What You Should Know About Roofing Insurance Claims in Calgary
Just like that…Summer of 2017 is wrapping up fast. If you have noticed any water damage to your roof, missing shingles or drainage problems, Claw Roofing in Calgary can re-establish stability to your residential or commercial roof. Oftentimes, it is during fall maintenance that clients notice issues. Perhaps last year you suffered from enormous ice dams and scary, giant icicles. While it was “on your list of things to do,” if you haven’t taken care of business, we highly recommend booking a roof inspection and repair quote ASAP! Before we know it, the snow will be flying and poor weather can influence how fast and efficient we are able to get your roof problems sorted out.
Are You Eligible for An Insurance Claim?
Will your home insurance help you pay for roof repairs or replacement? Assessing the damage is the first place to start. Our experienced team can provide you with the feedback your insurance company will be looking for. Common roof damage concerns include:
- Curling, cracked or missing shingles
- Rusting and wear around chimneys, vents or other fixtures
- Rain gutters saturated with debris from trees, nests or leaves
- Unsecured drainage spouts that are not directed water away from the building’s foundation
- Blistered, swollen siding
- Saggy ceilings, moldy drywall, visible water damage
If a severe hailstorm or windstorm has caused by any of the above issues, you will typically be covered under your home insurance policy. However, each company has their own specific check lists regarding what are covered and what is not; therefore, it is essential you contact your home insurance provider or re-read your policy to see if you are eligible. For instance, falling trees, airborne debris and penetrating branches can all contribute to unsightly roof damage that can activate health concerns if left unchecked. If the damage is severe enough that you are unable to live at your residence, some insurance companies may offer extra coverage under an “additional living expenses” clause. Additionally, be prepared to have to pay your deductible to get the process started.
Age of Your Roof Considerations
Many insurance policies will factor in the age of your roof prior to approving a claim. If your roof is less than a decade old, you may be covered for the entire amount of replacing or repairing the damaged portion. If your roof is older than ten years, you may only be reimbursed for the depreciated value of the damaged area. This means the company may decide to take the age, amount of wear and tear into account since your roof’s value has decreased over time. Some policies don’t care about the age of your roof and will only provide coverage up to the depreciated value. Other policies will cover the entire cost of replacing and repairing the damaged section at the time you submit the claim. In terms of home insurance, your company ideally wants to help you address any roofing problems right away as left untreated, you may be up against a much heftier claim once water damage occurs within your home.
Insurance Inspector Visit to Validate Your Claim
In most circumstances, your home insurance company will send out an insurance inspector to investigate your claim and verify your concerns. Typically, they take photographs and may ask you some questions regarding the age of the roof and description of damage. If the insurance inspector decides that your roofing woes are due to natural wear and tear and a result of normal aging, the poor condition of your roof may be considered normal maintenance and not be covered by your insurance policy. This is one of the reasons conducting annual maintenance on your roof and gutters is so essential. Every situation is unique and you will not know what is covered or not until you speak with your home insurance and they receive feedback from their inspector.
Regular Photo Documentation Is Helpful
If you can provide documentation of your roof with before and after photos of your roof and property, it can often streamline the decision making process. Try to remember to take a photo anytime you have maintenance or repairs completed to keep an up to date file. Keep any damage estimates, bills and invoices with your photos to provide your home insurance company with the most information to ensure a smooth process.
Claw Roofing Can Replenish Your Roof Security
If you are looking for a reliable roofing company who has your family’s best interests at heart, Claw Roofing provides the straight answers you need. Our friendly and experienced team can answer any of your questions and concerns. We are a family owned and operated business that takes pride in completing our jobs on time and on budget.
Call Claw Roofing in Calgary today! (403) 969-2439