When to Call the Insurance Company About Roof Damage

Roof damage can be a significant concern for homeowners — not just because of the immediate repairs needed, but also due to the complexities of dealing with insurance claims. Understanding when to call your insurance company is crucial to ensure that you get the necessary support without facing potential drawbacks. Here’s a detailed guide from Roofstar Arizona on when you should reach out to your insurance company regarding roof damage.

Assess the Damage

The first step after noticing roof damage is to assess its extent. This involves a thorough inspection to determine whether the damage is minor or severe. If you are comfortable and it’s safe, you can do a preliminary check yourself. Look for:

  • Missing or broken tiles/shingles
  • Visible leaks or water stains on your ceiling
  • Debris from fallen trees or branches
  • Signs of wind or hail damage

Minor Damage: Call a Roofer First

If the damage seems minor—such as a small leak or a few missing tiles—it’s generally best to call a professional roofer first. Minor issues often fall under regular maintenance, which insurance policies typically do not cover. Roofers can help fix these problems and advise if the damage is more extensive than it appears.

Keep these points in mind for minor damage:

  • No immediate need to involve insurance
  • Insurance does not cover maintenance wear and tear
  • Professional roofers can identify hidden issues

Major Damage: Consider Your Insurance Policy

In cases of significant damage, such as a tree falling on your house, severe wind or hail damage, or any scenario considered an “Act of God,” you should consider contacting your insurance company. These types of damage are usually covered under standard homeowner insurance policies.

Here are some steps to take for major damage:

  1. Document the Damage: Take clear photos and videos of the affected areas.
  2. Secure Your Home: If possible, make temporary repairs to prevent further damage.
  3. Review Your Policy: Understand your coverage limits and deductibles.

Understanding Your Coverage

It’s essential to understand what your insurance policy covers and what it does not. Generally, insurance will cover external damages caused by unexpected events but will not cover issues resulting from neglect or lack of maintenance.

These are some key points to consider:

  • Acts of God: Insurance covers damages from natural events like storms.
  • Negligence: No coverage for damages due to lack of maintenance.
  • Interior vs. Exterior: Insurance may cover interior damage caused by a leak but not the roof itself if the leak was due to neglect.

Filing a Claim: Weigh the Pros and Cons

Before filing a claim, consider the potential consequences. Even if your claim is denied, it still goes on your record and could affect your future insurance premiums. Evaluate whether the cost of repairs is significantly higher than your deductible and whether it’s worth the risk of higher premiums.

These are some things to evaluate:

  • Extent of Damage: Is it extensive enough to justify a claim?
  • Deductible Amount: Is the repair cost higher than your deductible?
  • Insurance Record: Are you prepared for a potential increase in premiums?

Knowing when to contact your insurance company about roof damage can save you time, money, and frustration. For minor issues, a roofer is your best first call. For significant damage caused by unforeseen events, your insurance company can provide the necessary financial support. Always assess the damage carefully, understand your policy, and weigh the pros and cons of filing a claim.

Call Roofstar Arizona today at 480-426-1915, and remember: We’ll tell you the Truth about your Roof!

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