During your storm damage claim in Northern Virginia, there are certain situations that may not be covered by your insurance.
In order to avoid any unanticipated costs, you should always look closely at your homeowner’s policy.
Here are some of the most common exclusions:
Improper Roof Maintenance
When your claims officer comes to view the damage to your roof, they will assess whether or not it was due to improper maintenance.
If they believe that the damage has been done due to your improper maintenance, you will likely be required to pay the cost of a roof replacement.
There are some materials used in roofing that your insurance policy may not cover.
Some materials which are not always covered may include the following:
· Recycled Shakes
· Green roofing materials
It is not uncommon for an insurance company to stop covering a roof over 20 years of age.
Your insurance policy should identify how the company defines the age of a roof.
Replacement or Repair
Some insurance policies only cover a roof repair, not a complete replacement. Check your policy to see what type of coverage you have.
You should always take proper precautions to maintain the integrity of your roof by doing regular maintenance.
This can include having it inspected regularly, keeping it clear of debris, and removing any dead trees that could potentially fall and cause damage.
Additionally, you should always call your insurance provider before contacting your local roofer to fully understand what is covered before committing to a repair or replacement.
More on Storm Damage Inspection | Northern Virginia
At A&M Roofing, we take pride in our certification and accreditation by the nation's leading manufacturers. Our team of skilled professionals is here to assist you with any additional questions you may have regarding storm damage inspection and guide you through your insurance claim process.
Don't hesitate to contact us to learn more about all our roofing and exterior remodeling services and request a free estimate. We are dedicated to serving the entire Northern Virginia community and providing the best solutions for your roofing needs.