Does homeowners insurance cover the cost
of a new roof in Ocean County?
The answer to this question will depend on several factors and circumstances such as the cause of the roof replacement, various policies etc. The majority of home insurance companies will offer some kind of roofing insurance policy which covers damages to the home such as lightning, tornados or something very unlikely to happen. Sometimes though simply having an insurance provider does not mean you are fully covered for a variety of things that can happen at your home. You may find yourself thinking “I have no idea what my policies cover”, many homeowners have no idea what is being covered until they contact their insurance agent and have them look deeper into their policies and coverages. Like mentioned above, the answer to this question can be both yes and no but in the end it will be determined by your policies and reasons why the roof needs replaced.
Most homeowners are not aware that their insurance company classifies homes into different risk categories. If your home falls into a high risk category because of an old roof then your insurance may be priced higher or you may have a higher deductible. In addition to higher prices some policies do not cover roof replacement jobs if the roof was already 25 years old before the policy began. If your home falls within the high risk category they may require higher amounts of damage to cover the cost of an entire roof replacement near Ocean County than if the roof was only a few years old. To learn more about the different risk categories with your insurance provider be sure to check with your insurance agent so they can go over all of your policies and details.
If your needed roof replacement near Ocean County, NJ occurred due to natural causes such as hail damage, extreme winds, broken limbs from trees etc. there is a very high chance your insurance will cover the damages once you file a home damage claim. If your roof needs to be replaced simply because it is getting old and worn out then most insurance companies will not cover the cost of a roof replacement. The insurance agency needs a solid reason why they should pay for the roof replacement, simply wanting them to pay for a new roof won't be enough. If you need a roof repair near Ocean County then be sure to contact our local roofers today for a free estimate and to begin the roof replacement process.
When you begin the roof replacement clam be sure to document images, dates, which direction the storm came from etc. All of this information will be handy in the process and help things move along smoothly. Your insurance agent will be able to help walk you through all of the required forms and processes to insure a speedy approval. Like mentioned earlier, if you need a professional residential roof replacement near Ocean County then give us a call today.
Most homeowners are not aware that their insurance company classifies homes into different risk categories. If your home falls into a high risk category because of an old roof then your insurance may be priced higher or you may have a higher deductible. In addition to higher prices some policies do not cover roof replacement jobs if the roof was already 25 years old before the policy began. If your home falls within the high risk category they may require higher amounts of damage to cover the cost of an entire roof replacement near Ocean County than if the roof was only a few years old. To learn more about the different risk categories with your insurance provider be sure to check with your insurance agent so they can go over all of your policies and details.
If your needed roof replacement near Ocean County, NJ occurred due to natural causes such as hail damage, extreme winds, broken limbs from trees etc. there is a very high chance your insurance will cover the damages once you file a home damage claim. If your roof needs to be replaced simply because it is getting old and worn out then most insurance companies will not cover the cost of a roof replacement. The insurance agency needs a solid reason why they should pay for the roof replacement, simply wanting them to pay for a new roof won't be enough. If you need a roof repair near Ocean County then be sure to contact our local roofers today for a free estimate and to begin the roof replacement process.
When you begin the roof replacement clam be sure to document images, dates, which direction the storm came from etc. All of this information will be handy in the process and help things move along smoothly. Your insurance agent will be able to help walk you through all of the required forms and processes to insure a speedy approval. Like mentioned earlier, if you need a professional residential roof replacement near Ocean County then give us a call today.