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Insurance

Help with insurance claims for roof repair

Many people assume that the only time their homeowner’s insurance policy will pay for a new roof, is if your roof is severely damaged by a peril listed in your policy, such as water damage, falling objects, lightning strikes or storm damage. If your roof has sustained minor damage, you might skip filing a claim altogether, because you assume the repair cost will be less than the cost of your deductible.

However, what most people don’t realize, is that under certain circumstances, they may still be eligible to receive a new roof, even if the damage isn’t catastrophic.


Let us explain.

What you need to know about Florida state law

According to state law, when your roof has been damaged by a covered peril and you file an insurance claim, your insurance provider is legally required to replace the damaged shingles / tile in adjoining areas. If it’s not possible to repair what’s been damaged in a way that matches the undamaged portion of your roof (ie: if the repair would use materials that differ in size, color or quality), you may be eligible to receive a new roofing system.

Since it’s not unusual for Florida roofs to fade due to constant exposure to the sun and the elements, there’s a chance it would be impossible to repair the damage in way that doesn’t cause it to stand out substantially.

You may also be interested to learn that Florida building code sates that if 25% of a roof needs to be repaired within a 12-month period, the entire roof must be replaced. The building code requirement is to ensure that the roof repair is up-to-par with the latest code requirements

How this could translate into an insurance-covered new roof

If you file a claim for roof repair and it’s impossible to do the repair in a way that matches the rest of your roof, your insurance provider will need to replace the entire section of your roof. If that section is equal to more than 25% of the total area of your roof, then the entire roof must be replaced.

If your roofing system has been damaged by a covered peril and you have questions about whether you might be eligible to receive an insurance covered roof replacement, call SWF Roofing Inc. today to speak with a customer care specialist.

How the insurance process works

SWF Roofing Inc. is committed to helping our clients get the work they need. We understand how important it is to restore your roof to its original condition– because one wants to have repairs done in such a way that your roof looks like a patchwork quilt.

We also understand that dealing with insurance companies can be stressful, which is why we’ll do the heavy lifting for you.

When you hire our company, we’ll ask you to sign an Assignment of Benefits (AOB). An AOB is a document that allows the policy holder to designate a third party (such as a roofing company) to work with the insurance company on your behalf. When you retain our company and sign the AOB, we will fight to get you what you deserve. Since the insurance company will pay us directly, the only thing you’ll need to do is pay your deductible.

Do I have a claim?

If you think your roof has been damaged and you’re on the fence about whether you should file a claim, call SWF Roofing Inc. today to schedule a free roof inspection.

During the inspection, a licensed roofer will determine if you have damage, the extend of the damage, and the estimated cost of the repair. We can also help you understand whether the repair is likely to be covered by your policy, and whether your policy might cover more than you realize.

Lastly, we’ll take high-quality photographs of your roof, so that proof of the damage can be sent to your insurance company. Remember- contacting a roofer before you file a claim can help ensure you get the results you deserve.

If you’ve already filed a claim, we can still help. For more information about how this works (and how we may still be able to help you, even if your claim has been closed), call our office today to speak with an expert.

Do you have additional questions, or are you ready to schedule a free roof inspection? Contact us today to get started.

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