If you’re a homeowner, it is likely that you will want to have some sort of protection for your home. This often translates to having a certain type of home insurance. However, insurance will only cover so much of the roof repair cost and only if some conditions are met. Of course, insurance companies don’t want to run out of funds by having to cater to every claim that comes their way. They will have some rules on whether what type of roofing problem is within their allowable range or not. This leaves people asking whether roof leaks are covered. It’s what we are going to be looking at in this article.
Do insurance companies cover the cost of roof repair caused by leaks?
The short answer is somewhat yes. That’s because not all insurance policies cover roof leaks. However, most of them do. On the other hand, insurance providers will only pony up for the cost of North Myrtle Beach roof repair if the cause of the leak is in their policy. This means you can’t really expect to file for a claim and have it approved if the leak was caused by the lack of proper maintenance.
If, however, the leak has been caused by hail, tornadoes, a fallen tree, and other natural calamities, the insurance provider will likely approve your claim. Of course, you will need to file your claim within 15-30 days after the incident occurred or whatever timeline the insurer has set.
How do you find a roof leak and how to prevent them?
There are two ways you can find a roof leak. The first option is to have a roof inspection done. This process is more on the preventive side if done regularly or right after an event where you think your roof has been damaged. During this point, it is important to find the leak as it will be in the early phase and damage will be easily contained. The second way to find a roof leak is to wait for signs to appear. The latter is quite problematic since you will likely be faced with a hefty repair bill after the inspection is done.
When should you have your roof inspected and by who?
There are different occasions where you would want to have your roof inspected. Again, the first one is when you think your roof has been recently damaged after a natural event like a hail storm. Second, you have the instance where you are required to have a roof replacement. Lastly, you should have a roof inspection done regularly to prevent roof damages.
As for who should do the inspection, you should only hire experts like NMB Roofing Pros. It would be a huge plus if the roofer you hire deals with insurance claims. They will know the ins and outs of insurance policies and can help you file a claim whenever necessary. Also, you’re playing it safe if you hire a licensed roofer as insurance companies typically don’t honor inspection results from non-licensed roofers.
If ever you run into roofing issues, don’t hesitate to call NMB Roofing Pros. We have the right skills and services for all your roofing needs.
NMB Roofing Pros
North Myrtle Beach, SC 29582