After a severe storm rolls through Plainfield, IN, some homeowners are left to deal with the damage. Dealing with storm damage can leave homeowners frustrated as they deal with roof damage and getting their insurance claim approved. Some roof damage is covered by standard insurance policies, while other situations may lead to a denied claim. Continue reading to learn more about the roof damage and your homeowner’s insurance coverage.
If needed, the experts at Gill Insurance Agency can help you with your insurance coverage and explain the different situations when roof damage is covered.
Does My Homeowners Insurance Policy Cover Roof Damage?
The best way to determine if your homeowner’s insurance covers roof damage is to take the time to read the entire policy. Typically, homeowners insurance considers how the roof was damaged before approving or denying a claim. Generally, roof damage is covered as long as it was not damaged because of neglect or lack of maintenance. Some policies have exclusions, which do not cover roof damage caused by wind or hail.
What If There is a Leak In My Roof?
When you discover a roof leak, you must first take the steps necessary to minimize future damage to the roof and your items inside the home. Then call a contractor out to determine the cause of the leak. Finally, if some covered damage caused the leak, call your insurance company. They will send out an adjuster to look at the roof and determine if your policy covers the damage.
Dealing with roof damage and trying to get it covered can be a challenging process for many Plainfield, IN homeowners. To reduce the hassle associated with roof damage, call our experts at Gill Insurance Agency. We can help you determine what is covered and provide you with the best insurance policy for your needs.
