In Boulder County we get a lot of snow, hail and rainstorms that can damage your home’s roof and siding. We get this type of insurance claim question all the time and usually, you're covered only if the damage or destruction results from a sudden accident or act of nature. Damage that occurs from general wear and tear or from a roof that has exceeded its intended life span are not eligible for reimbursement because they fall under the general maintenance responsibility of the homeowner, which is why it is important you check your roof often to make sure there are no visible issues. We can help you with that and handle inspections for you.
How does Roof and Siding Coverage typically work?
Of all the parts of your home, the roof definitely has the most direct exposure to the elements. The weight of heavy snow and hail or ice storms is also a big concern. Mother Nature can do direct damage, but it can also cause trees to fall on your house or cause a wildfire to head your direction, which has been very scary in the most recent past. Debris falling is also a big cause of damage that can start the damage cycle.
A roof is an integral part of the structure of your home, and so the dwelling coverage section of your homeowners insurance policy typically protects you from such perils. Damage and destruction from such events qualify the homeowner for a total or partial replacement of the roof. Now, that being said, coverage ca be curtailed for roofs that are over 20 years old, so they may only be insured for their actual cash value, not for their current replacement cost.
Now remember, you still have to pay your policy deductible before your coverage kicks in, so that is something you need to look into with your insurance company. Policies in Boulder County can impose a higher deductible for damage because we are in a higher risk zone with our unpredictable and damaging weather. So, many times we are urged in our area to take out additional coverage or a separate insurance policy. But, don’t worry if not, we have had a lot of experience in this category and can help you navigate the process.
Special Considerations for Roof and Siding Coverage
If your roof comes crashing down, has a major hole, or is torn off entirely, then coverage will likely kick in. More problematic are instances when the damage is less dramatic, even if an act of nature caused it. The insurance company may classify that as cosmetic damage, and not cover it. Or let's say that, after the storm, you notice your roof has a leak. Even though the storm triggered it, the insurance company might claim that's a general wear-and-tear problem, reflecting your roof's gradual deterioration, which is never covered.
Ironically, any water damage caused by the leaking roof to your walls, floors, or furniture probably would be covered under the all-perils section of your policy. However, the roof repair itself would not be. Look, this can all be confusing, but again, we can help you navigate the process so give us a call after the storm so we can take a look and work with you and your insurance company to advise you on the best course of action.
Getting Reimbursed for Roof and Siding Replacement
Now this is the key that we are after following a storm. There is no question that age is not your roof or siding's friend unless it is made of a material that is known for longevity. What you need to do to get the insurance company to pay for your roof or siding is call them up for an inspection, which we have also done for insurance companies by the way, so we know the drill. You need to gather up all documents including your home owners policy, any home inspection reports, receipts of any repair work done, photos of damage that has occurred. This will all be helpful in the claims process. The insurance company will then send out an adjuster to inspect the damage and offer their own assessment. Again, give RMI a call and we can help you with the process in the event of damage from a storm and work to get you covered so you are not paying out of pocket.
The bottom line is RMI EXTERIORS are roofing insurance claim experts and we have seen just about everything when it comes to insurance claims and can help you navigate the process to ensure you get the most out of your claim.. Not only do we have your back when it comes to insurance claims, but we have your sides (and top too).