Understanding Insurance

Where do I start?


America Pro Roofing has extensive experience in providing roof estimates for insurance claims. We help you navigate the process of getting your roof repaired or replaced and covered by insurance.

If you have any kind of roof damage, whether it’s from a hail or wind storm, you really should address it as soon as possible. Your insurance company may require you to notify them immediately after a storm in order to document the damage incurred.  A damaged section of your roof can lead to flooding, pests, and wasted energy. Even if you do not see visible damage, but your roof has outlived its warranty, you should get an inspection of your roof. Fortunately, if you have homeowners insurance, the burden of paying for roof repairs or replacement usually does not fall completely on your shoulders.


Will My Insurance Cover the damage?

Whether or not your insurance covers the cost of roof replacement will depend on the type of roof damage sustained. When a roof repair could resolve the issue, your insurance company will want to fix the damage quickly to ensure that no further damage is caused. The cause of the damage is also considered when your insurance decides whether or not to replace the roof under your policy. If your roof has sustained damage from something unexpected, such as a fallen tree, hail or wind, chances are that they will cover a full replacement if the damage is severe enough.

If the damage caused to your roof is caused by a natural disaster or accident that is covered by your policy, you should be able to get all repairs paid for by your policy. On the other hand, excluded circumstances won’t be covered. In some instances, the carrier will only cover the cost of repairs that are specifically named in the policy, which usually includes things like lightening and hail damage. On the other hand, other types of insurance covers everything other than what is specifically excluded.


How do I File a Claim For Roof Work?question-mark

Before you can get work done on your roof that will be covered by insurance, you will need to get an estimate from a roofing contractor.  You are allowed to use the roofing company of your choice. You can also file a supplemental claim if the roof ends up costing more than the original quote.

All residential roofs will slowly deteriorate over time. Plus, extreme weather and accidents do play a big part in your roofs lifetime. Reading the fine print of your insurance policy when the roof is in good condition will help you file a claim more smoothly when the time comes that your roof needs to be repaired or replaced.