Residential roofing company in Charlotte NC explains homeowners’ insurance

Residential roofing experts guarantee value for money on repairs and replacement works

A residential roofing company in Charlotte NC is your go-to expert for roof repairs after a storm. Storms cause extensive damage to the roof and in some cases may warrant comprehensive repairs. In some roods, you may experience damage that will necessitate the installation of a new roof.

Installing a new roof can be quite costly and for most people, it can damage their finances. Most owners think homeowners’ insurance will cover the cost of a new roof, but it depends. Here are some instances when the insurer will cover such costs.

When the insurer accepts

It is beneficial to contact your insurance agent after significant damage. Request the steps necessary to submit a claim and any available assistance. Check the exclusions. This keeps you from putting in a new roof only to discover that your insurance won’t cover any of the work.

Get a copy of your policy and check your coverage personally if you work with a discount insurance provider and don’t have your own agent. When it comes to extra services like mold removal or other living expenses, they might not want to let you know about them.

Ask specifically what steps need to be taken to replace your roof. Then gather that proof and include it with your claim. For instance, some businesses want quotes from three different roofing providers in order to totally replace a roof. All three must agree that a replacement rather than a repair is required.

There’s a significant possibility your insurance will pay for the replacement if it’s obvious that you’ve maintained your roof, you didn’t cause the damage, and your roof wasn’t in need of replacement when the damage occurred. Just make sure you double-check any exclusions in advance.

When the insurer refuses

Most insurance policies do not cover outdated roofing because it would typically need to be replaced at the owner’s expense. Age restrictions differ by policy, although anything over 20 is probably irrelevant.

Lack of routine roof repair may also be a sign of carelessness on the side of the homeowner. To support a complete roof replacement, documentation of prior inspections, repair work, visual evidence, or even social media posts about leaf removal, and tree pruning may be required.

Find the best residential roofing company in Charlotte NC

Different circumstances can determine whether insurance can cover your needs or not. Should you need roof repair or replacement, hire the best residential roofing experts in Charlotte NC.

Steele Restoration is a fully licensed and insured Charlotte NC and Greenville SC-based general contractor and roofing company specializing in roofing, siding, and storm damage restoration for single-family homes, multi-family complexes, and commercial and industrial sites. We service Charlotte and surrounding areas, including Rock Hill, Lake Norman, Steele Creek, Matthews, Ballantyne, and Blakeney, along with Greenville and Spartanburg SC areas.