Generally speaking, a homeowner’s insurance policy covers the cost of roof replacement once it gets damaged. This is the good news. However, coverage is usually limited to damage or destruction that results from an accident or natural disaster such as the recent hail storms in Myrtle Beach. Because they are the homeowners’ responsibility, problems that arise from normal wear and tear or roofs that have exceeded their intended lifespan are not eligible for reimbursement.
Roof Replacement: How Roof Coverage Works
The roof is the most exposed part of your home. In northern climates, heavy snow, hail and ice storms are a major threat. The Midwest is also prone to tornadoes and cyclones. Southern climates can lead to hail or hurricane-force winds.
Mother Nature can cause direct damage and even wreak havoc, such as a windstorm that sets a tree flying to your roof. Wildfires are possible. There could also be other unlikely events, such as something falling on the roof from above–like the debris of an aircraft or explosion.
The roof is an integral part of your home’s structure, so your homeowner’s insurance policy usually covers you against such perils. The homeowner can get a partial or complete replacement of their roof if the roof is damaged or destroyed by such events.
You will still need to pay your policy deductible before your coverage begins. Certain policies, particularly those in high-risk areas like Myrtle Beach, may have a higher deductible for hailstorms and hurricane damage. Residents who live in these areas need to be protected from the elements. They may also require additional coverage such as hurricane insurance or windstorm insurance.
Special Considerations Regarding Roof Coverage
Coverage is possible for events, such as a roof falling down, a large hole in the roof, or a complete tear-off of the roof. Even if the damage was caused by nature, it is more problematic. Let’s suppose strong thunderstorms damage a lot of the roofing shingles. Your insurance company might consider this cosmetic damage and deny coverage. Let’s say your roof leaks after the storm. The insurance company may claim that the storm caused it and won’t be covered.
Ironically, water damage to walls, floors or furniture from a leaking roof would likely be covered. But the roof repair would not.
Contact Greg Lilly Roofing and Restoration before you call your insurance company. They can help ensure you get the highest payment possible.
Preventing Roof Problems
Properly maintaining and caring for your roof is the responsibility and obligation of the property owner. Also, be aware of the lifespan of different materials which can vary from 15 to 100 years. Other steps homeowners can take to protect their roof include hiring a licensed roofing contractor to inspect it regularly. In the hope of gaining future business, many roofing companies will inspect your roof free of charge. However, don’t be surprised if they find lots of problems.
Your roof should be free from debris and not collect or hold water. Trees that are touching the roof or hanging above it should be cut down. Check your roof after a storm or long snowstorm to make sure the gutters and shingles are in good condition. You should ensure that your roof and home are compliant with current building codes if you live in windy areas.
Get reimbursed for roof replacement
A roof’s value will decrease with every year, even if it is made from a durable material like metal. Many insurers won’t pay for roofs that are more than a 20 years old. You may also be exempt from insurance if you do not maintain your roof properly or neglect to use certain roofing materials, such as cedar.
First, call Greg Lilly Roofing and Restoration to inspect the roof. This will give you the best chance of getting your roof covered by your insurance policy. Gather as much documentation as possible before they arrive. This includes a copy of your current home insurance policy and any home and previous roof inspection reports. Also, gather receipts for any repairs you have done. Photos of any damage should also be taken. It’s always a good idea for you to take photos of your roof as it is healthy. All of these photos will help in the claims process. Your insurance company may send someone to inspect the damage and make their own assessment.
Tips to save on new roof costs
The price range for roof replacements varies depending on various factors such as roofing material. Here are some ways to reduce the cost of your roof repair and roof replacement in Myrtle Beach.
- Before you talk to roofing contractors, do your research. Know the dimensions and complexity of your roof. Also, know the exact materials that you would like to use.
- Compare quotes: Ask for multiple estimates and request references from local roofers before you hire anyone. Avoid low bids as they could indicate subpar work. Also, make sure that roofers provide a warranty on materials or installation.
- It’s important to time it: Roofers work most efficiently in the fall and summer. You may get lower prices and discounts if you schedule your roof replacement for late winter or spring.
- You can do it yourself. Removing old roofing before the installer arrives can help reduce costs if you have the right equipment and the time.
- A roof overlay is a method of adding new shingles to existing shingles. Overlays are less labor-intensive than full replacements and require less time because the old roofing remains in place. An overlay can void or reduce the warranty of roofing materials. Due to the increased labor costs and waste, overlays can also increase future replacement costs.