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When Will Insurance Cover a New Roof

Under the conditions of typical homeowners’ insurance policies, regardless of age, a roof can be replaced if it is damaged or destroyed due to an act of nature. In South Florida, damaging hurricane-force winds, wind created openings with rain, lightning, and hail can also potentially result in a partial or total roof replacement as determined by negotiations between your public adjuster and the insurance company.

Let’s face it, roofs are very expensive, and likely the most expensive part of any structure. Different roofing materials have different life spans, and it’s vital that property-owners maintain this very important part of their property. For example, in wind-prone areas try to keep trees trimmed back so that they are not touching or hanging over your home. Make sure your roof is free of debris and does not hold or collect water in any areas. When building new construction or buying a new home, make sure it’s designed to current building codes.

When you do suffer roof damage and are unsure whether or not your homeowner’s insurance policy will cover it, your first call should be to the roof claim adjuster experts at Reliant Adjusters Group. Our professional roof claim adjusters can help you determine whether or not you have a roof damage insurance claim and if so, we’ll handle it step by step with your insurance company to ensure a maximum settlement.

You can trust that if you have a roof replacement claim, Reliant Adjusters will help you get it covered. However, unfortunately, sometimes you just don’t have a claim. If your roof is 30+ years old, improperly maintained, or damaged as a result of something other than an act of nature, even with our adjusters’ expert advice, your insurance company may not pay for your roof replacement. If you find yourself in this situation, here are some ways to minimize repair and replacement costs:

1. Determine the size, complexity and roofing materials you want before talking to contractors.

2. Get quotes from at least three roofing contractors and be sure to check references and thoroughly read warranties.

3. Ask if doing some of the work yourself—removing old gutters for example—affords you any savings.

4. Roofing contractors are usually busiest in the summer and fall. Schedule your roof replacement in late winter or spring and you might qualify for a discount.

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