homeowners insurance premium

file an insurance claim for wind damageWhen you choose your insurance coverage for your home you do so to protect it and your belongings from damage. While wind damage is normally covered under most homeowner’s policies, you’ll want to weigh your options before you decide to file an insurance claim. Consider these factors to decide whether it is worthwhile.

Extent of Damage

If you notice missing shingles after a storm, it doesn’t necessarily merit a claim. Replacing missing shingles is a simple, often inexpensive fix which costs less than your deductible. It makes more sense to have your home’s roof inspected to determine the damage instead of filing a claim that could affect your insurance premiums and insurability.

A qualified roofing contractor can replace broken, missing or worn shingles and suggest ways you can protect your roof further. Securing the first course of shingles around the edge of the roof, adding additional nails, and fortifying seals and flashings are just a few ways to do this.

Roof’s Age

Many insurance companies pro-rate roofs, meaning they only pay for the depreciated value because of normal aging and wear. If your home has an older roof, it may not make sense to repair it. If you must make a claim, it may make more sense to replace the entire roof.

A roof inspection from a HAAG certified roofing inspector is the best way to determine which course of action is right for you and your home. They provide a written report and work with insurance companies regularly to make the claims process quicker and simpler.

Policy Coverage

Homeowner’s policies can differ greatly. Policies differ in coverage limits, deductibles, and exclusions. Some disallow coverage if you did not maintain your roof. Some policies offer roof damage coverage up to the depreciated value, while others cover the full cost of repairs.

Before you talk to your insurer, talk to a local, qualified roofing contractor first. They can evaluate the damage and demystify your insurance policy. They understand the terminology and the limitations of your policy and can help you decide which approach is best for you and your pocketbook.

In the Greater Atlanta area, The Roof Clinic offers certified HAAG inspectors, quality workmanship, and insurance claim expertise. Contact us today for your free inspection to determine the condition of your home’s roof today.

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