Can I claim for a leaking roof in Monmouth County?
In most cases you will not be able to claim for a leaking roof unless the leak happened due to home damages such as peril or acts of god. Before you give up hope however, you can always try to claim for a leaking roof but your insurance company will be the deciding factor on whether they will accept it or not. Most insurance companies will cover roofing damages such as a tree falling onto the home or a large wind storm. The grey area lies when the roof begins to leak simply because it has not been maintained over the years or is just very old. We always recommend looking into your insurance policies and claims to understand what types of leaks and damages are covered. If you do decide to try and file a claim for a leaking roof then It is important to note how the leak started to occur and where, if the leak was caused by lack of maintenance over the years then the claim would most likely be denied. However if you recently had a large wind storm and found a massive branch that broke through the roof then this would most likely be covered within your policy as peril or act of god.
Let us assume that your home insurance company will cover the cost of the roof leak, there may be times when you would be better to pay for the repair out of pocket. With your insurance company you have a set deductible which means that you have to pay the deductible amount in full before they chip in to pay for the rest. In many cases your deductible may be higher than the cost would be to repair the roof. There are many companies which have a deductible that can range from $500-$1000. If your deductible has already been paid for the year due to something else then we would say YES have insurance to pay for the leak but if you have not paid anything on your deductible for the year it might not be the best route to take. It is important to calculate the cost of the repair and compare it with the deductible amount. For example if you have a $1000 deductible but the repair to fix the leak is only going to cost $400 then it would be smarter to not file a claim and simply pay for the repair yourself. Contacting your insurance agent should be relatively easy and you can go over the price differences over the phone or email. Look into the exclusion section of your policy to see what isn't covered in your plan such as normal aging, failure of proper maintenance etc.
At the end of this article we want to emphasize what was discussed before, if you CAN file for a roof leak and your deductible has already been met most of the way then yes you can file for a leaky roof. However if the leaky roof repair is going to be cheaper to pay for out of pocket then you may want to take this route. Before you make a final decision and hire a roof repair new Monmouth County be sure to contact your insurance agent. Since each insurance company is different you will have varying policies and deductibles. If you need a professional roofing company near Monmouth County to help with the repair or roof replacement be sure to call us today. Our residential roofing in Monmouth County is among some of the best and we take great pride in all of the work we complete for our clients.
Let us assume that your home insurance company will cover the cost of the roof leak, there may be times when you would be better to pay for the repair out of pocket. With your insurance company you have a set deductible which means that you have to pay the deductible amount in full before they chip in to pay for the rest. In many cases your deductible may be higher than the cost would be to repair the roof. There are many companies which have a deductible that can range from $500-$1000. If your deductible has already been paid for the year due to something else then we would say YES have insurance to pay for the leak but if you have not paid anything on your deductible for the year it might not be the best route to take. It is important to calculate the cost of the repair and compare it with the deductible amount. For example if you have a $1000 deductible but the repair to fix the leak is only going to cost $400 then it would be smarter to not file a claim and simply pay for the repair yourself. Contacting your insurance agent should be relatively easy and you can go over the price differences over the phone or email. Look into the exclusion section of your policy to see what isn't covered in your plan such as normal aging, failure of proper maintenance etc.
At the end of this article we want to emphasize what was discussed before, if you CAN file for a roof leak and your deductible has already been met most of the way then yes you can file for a leaky roof. However if the leaky roof repair is going to be cheaper to pay for out of pocket then you may want to take this route. Before you make a final decision and hire a roof repair new Monmouth County be sure to contact your insurance agent. Since each insurance company is different you will have varying policies and deductibles. If you need a professional roofing company near Monmouth County to help with the repair or roof replacement be sure to call us today. Our residential roofing in Monmouth County is among some of the best and we take great pride in all of the work we complete for our clients.