If you have damage to your roof it may be time to file a roofing insurance claim Winter Springs. This can be a frightening process and one that you may be trying to avoid especially if you have never filed a claim before. You may be unsure of the process and wholeheartedly trust that your insurance company will do the right thing. You should keep in mind that insurance companies are not your friend and their job is to pay as little as possible even though you always pay your insurance
How the Claims Process Works
Before you run and file a roofing insurance claim Winter Springs requires in order to repair your damage you need to understand how the process works. It can be tedious and time-consuming. A few steps you should keep in mind are as follows:
- Document the damage
- Contact your insurance company
- File a claim
- Meet an adjuster
- Find a roofing company
Although these steps sound easy enough it can actually be a lot harder to get your claim approved and have your roof repaired. Oftentimes insurance companies will try to pay less and this means they will find any loophole to hold back on funds. So before you take the plunge do a search on how to do a roofing insurance claim Winter Springs to get all of the information.
What is Not Covered Under Home Insurance & Roofing Insurance Claim Winter Springs
There are several issues that a roofing insurance claim has that will not be covered. Some of these include:
- A roof over 20 years old
- A roof that has not been maintained leading it to have damage
- Intentional damage by the homeowner
- Unintentional damage caused by the homeowner
- Storm exclusions which can be seen in Florida insurance policies
What most insurance companies do cover are:
- Fire
- Hail
- Wind
- Lightning
- Falling objects
- Acts of God or natural disasters
- Vandalism
Each policy will outline what is covered and not covered and you should review your policy on a yearly basis if possible.
The Florida 25 Percent Rule
The 25 percent rule is quite confusing, especially for homeowners that have more than one intersecting section on their roofs. The general rule of thumb is that you are only entitled to repair or replace your roof if at least 25 percent of the roof was damaged by a qualifying incident. This is typically thought of after a storm where Florida homeowners suffer the most damage to their homes.
Another caveat is that a claim can only be done once every 12 months. As you know, Florida experiences hurricane season nearly every year. If you suffer damage to your roof after a storm you should immediately begin filing a roofing insurance claim Winter Springs insurers require.
Should You File a Roofing Insurance Claim Winter Springs?
After obtaining so much information on filing a roofing insurance claim requires you may be wondering if it is even a good idea. If you have damage to your roof it needs to be repaired and an experienced roofer can work with the insurance company to obtain an adequate amount of funds to repair your roof. Contact Native Building Services & Roofing, LLC at 407-974-3719 to discuss your current situation and how we can help.
