Roofing repairs are expensive. But investing in your roof is an investment in your home. And if you have coverage for your roof, it’s a win-win for you. Because we want your home to have the best quality protection.
We work with all types of home insurance to make sure you’re getting the best deal possible as we take care of your roof.
Roof Insurance Coverage
But how do you know if you have roof coverage? Here are a few things to look for in your insurance policy to make sure you have coverage.
- Wind/Hail Coverage
- Replacement Cost
- Actual Cash Value (ACV)
Because wind and hail damage are the cause of many roofing claims, it is the first thing you should look for in your policy. Should your policy not cover wind or hail damage, there may be some coverage for water damage.
Next, the thing you’ll need to look for when determining how much a roof replacement will cost you is the type of roof coverage you have. Replacement cost coverage covers the entire cost of a new roof. This is the ideal situation for our customers because that means nothing comes out of your wallet.
ACV coverage is more common in housing insurance plans. It’s a bit more of an involved process that includes calculating values with an insurance adjuster. You will most likely have a deductible to meet before your insurance policy will pay for the new roof.
Some deductibles can be quite high, so if the damage is minor, it might not be worth starting a claim. When we come out and inspect the damage and give you an estimate, we can recommend whether or not to involve your insurance.
What Does the Roof Insurance Claim Process Look Like?
The first step starts when you walk outside after a storm and see damage on your roof. Next, you should reach out to a reliable and trustworthy roofing professional, like us. We at Whitaker Roofing Company serve the Murfreesboro, Smyrna, La Vergne, and Nashville areas as well as greater Rutherford County.
You can contact us via email, or text us directly to schedule an appointment for a damage inspection. We’ll thoroughly investigate your roof for signs of damage and carefully document it to share with your insurance adjuster.
After our inspection, you should contact your adjuster. Their job is to determine how the insurance company will pay for the roof replacement. We will provide them with the details of our inspection so they can make appropriate adjustments and so you can get the most coverage possible.
Typically, what happens next is you’ll receive a check for the ACV of the roof replacement. Don’t be alarmed if this does not cover all of your estimate. After we complete the roof replacement process and submit the required paperwork, you should receive a check to cover the remaining costs of your repairs.
Schedule a Roof Inspection Today
For nearly 20 years, Whitaker Roofing Company has provided Middle Tennessee with excellent roofing services. We take pride in our reputation for trustworthy and reliable service. So, know when you contact us, you only get the best.
If you have a roof replacement project for us or want a free estimate, send us an email to set up an appointment. Or if you have a roofing emergency, text Boone Whitaker for an even faster response.