Will Your Homeowners Insurance Pay For Your New Roof?

Need to get your roof replaced but worried about the cost? Here’s something that might surprise you: with just a few steps, you may be able to get your new roof completely covered by homeowners insurance! When you encounter damage to your roof from a storm, it’s important to take the proper steps to ensure you get the money you’re entitled to.

Mesler Roofing & Exteriors is here to lay out each step to make the process stress-free. If you are in the Northeast Kansas area and need your roof updated after a storm, contact Mesler Roofing & Exteriors today to get started!

Assess the Damage

If you suspect your roof is damaged, it’s time to inspect. This can be as simple as getting on a ladder and safely examining it yourself. Otherwise, you can hire a professional (link to contact) to complete an assessment for you. If the damage isn’t profound or obvious, an expert will be able to tell you whether or not it is worth filing a claim.

Document the Issue

This step is imperative–having documentation of what went wrong and when will make filing your claim that much easier. Insurance companies can be picky when it comes to providing proof. Your best bet is to have a picture of the damage with a date and time stamp. Additionally, having a “before” picture of your roof with no damage can be very helpful so your insurance company can see a clear difference. So, if you don’t have any documentation yet, get out there and snap a photo (or find someone who can do it for you)!

Notify Your Insurance Agency

As soon as you are aware of any roof damage, contact your insurance company. Some policies have stipulations that allow them to deny you coverage if you wait too long to report damage! In that case, the extent of the repairs would be your responsibility, and you definitely don’t want that.

Revisit Your Insurance Policy

After determining what type of repairs you will need, it’s helpful to look at your homeowner’s insurance policy. This way, you can figure out exactly what your insurance company does and doesn’t cover. If you need to, you can ask your insurance agent for a copy of your policy. Two types of roof insurance are typically covered: roof repairs and replacements. Keep in mind that a complete replacement can be difficult to obtain.

Get an Estimate

While this step isn’t necessary, it can be incredibly helpful. Enlist a roofing company to assess your roof’s damage and provide an estimate for the cost of repairs. If you have an estimate of the cost of the job, this provides your insurance agency with a clear picture of what they will need to cover. Furthermore, if you do not get an inspection on your own, your insurance agency may send their representative to you, and they may find a way to deny you coverage.

If you are located in Lawrence, KS, and need your roof serviced, contact Mesler Roofing & Exteriors for a free estimate!

File a Claim

Now that you have all the proper information and documentation at your disposal, it’s time to file the claim. Make sure you have your resources ready–photo documentation, insurance information, and an estimate–so you are completely prepared. If you make the process easier for your insurance agent, you’re more likely to obtain coverage.

Get Reimbursed

Finally, the part you’ve been waiting for! You’ve put in the work, and it has (literally) paid off; you’ve got your money for a new roof. First off, take a minute to congratulate yourself–you did your research and took all the steps to get your insurance coverage. Now you have the advantage of choosing who you want to do the job for you.

Get In Touch with Mesler Roofing & Exteriors!

The hard part is over! Now that you’ve claimed the coverage for your new roof, you need a trustworthy and experienced roofing contractor to get the job done. When researching where to get your roof repairs done, it’s important to choose a company with expertise and skilled craftsmen that work with their customers in mind. Mesler Roofing & Exteriors is a BBB accredited business with an A+ rating!

Residents of Lawrence, Kansas City, and beyond have trusted Mesler Roofing & Exteriors with their roofing needs for decades. When it’s time to replace your roof, contact us. We’re looking forward to working with you!