During your storm damage claim in Northern Virginia there are certain situations which may not be covered.
In order to avoid any unanticipated costs, you should always look closely at your homeowner’s policy.
Below 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 replacement roof.
There are some materials used in roofing which may not be covered by your insurance policy.
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 in age.
Your insurance plan should identify how they define the age of a roof.
Replacement or Repair
Some insurance policies will only cover a roof repair, and not a full replacement. Check your policy to see where you are covered.
You should always take proper precautions to maintain the integrity of your roof through regular maintenance.
This can include having it inspected regularly, keeping it clear of debris, and removing any dead trees which could potentially fall and cause damage.
Additionally, you should always call your insurance provider before contacting your local roofer so that you have a full understanding of what is covered before committing to a repair or replacement.
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A&M Roofing is a local, family-owned class A roofing contractor in Northern Virginia that serves customers in Reston, Herndon, Great Falls, McLean, Falls Church, Fairfax County, as well as Leesburg and Ashburn, Loudoun County, and Prince William County.
If you are interested in working with A&M Roofing, call us today at (703)584-5876 or email email@example.com.