Does homeowner’s insurance cover a roof replacement?

Does homeowner’s insurance cover a roof replacement?

If your property has been affected by an unexpected event such as a fire or tornado, you could be facing significant damage to your home. Although your situation may be fine now, you can’t predict the future, so do you ever wonder what would happen in such a case? Take your roof, for example. Does your homeowner’s insurance in Southeast Michigan cover a roof replacement in certain emergencies? You’ve come to the right place for answers. Michigan Roof Pros has been helping homeowners find roofing solutions for over 20 years. Our experts can help you find the right licensed, insured and certified roofing contractor for your particular project and budget.

If your roof has a noticeable leak that is causing internal property destruction, it’s time to consult the professionals. Whether or not your homeowner’s insurance will cover the roof replacement depends on your specific policy and the source of the damage. When you read through your policy, there should be a clause outlining what is covered. In many cases, if the leak is caused by a fire, hail, wind, ice, water or snow, it would be reimbursable. No two homeowner’s policies are alike, though, so you need to read the fine print.

Finding a reputable roofer is critical

Not all roofing companies in Ann Arbor MI work with insurance claims, so you really need to call around. Look for a roofer that is highly rated from the Better Business Bureau – if they are named on Angie’s List that is another good indication that they are a credible business. Make sure they use top materials from GAF and CertainTeed roofing manufacturers, and find out if they perform new roof installations, re-roofs, tearoffs, roof replacements, siding installation, and more. Once you’ve determined they’re legitimate, ask about their financing options, credit approval process, and roofing warrantees. Let them know what kind of roofing damage you’re dealing with, and schedule an initial consultation and estimate. Some of the highlights you want to look out for include:
• Prompt customer service and friendly attitudes

• Easy credit applications • No-leak roof guarantees

• Lifetime roofing warrantees

• One-on-one, personalized attention

Check out their social media pages and website

By doing thorough research, and checking a roofing contractor’s Facebook, Twitter, and Google Plus pages, you’ll be able to see information about recent home improvement projects they’ve done and roofs they’ve replaced. Also be sure to visit their website to learn more about the services they provide. You definitely don’t want to hire a roofing contractor in Ann Arbor Michigan that won’t work with your insurance company. A good roofer will be knowledgeable about homeowner’s insurance policies, regulations, and requirements. Often times, very specific documentation,
including photos and itemized bills from a licensed roofing contractor in your neighborhood are required. If you fail to meet these criteria, your claim may be denied. If your insurance policy covers a new roof, that’s good news!

Once you’ve determined a roof replacement will be covered, it’s time to call the roofing contractor of your choice to set up a roof inspection and estimate. These are usually free of charge. Michigan Roof Pros has read countless stories from homeowners who didn’t take the time to read our informative blogs and do the proper research need to find a trusted roofing company, resulting in a huge bill and disappointment. We pride ourselves in providing the most up-to-date information on roofing materials, roofing contractors, building code laws, and much more. If your property has been hit by a weather calamity, you’re already in shock and panic mode. If you stop by our site and read up on the steps you need to take, you’ll be armed with the knowledge you need to find the right roofer for your home. Once you’ve found the best roofing contractor in Southeast Michigan, you’ll be on the right track to a new and improved roof. A roof with missing shingles, leaks, holes, or other damage is a dangerous liability to you and your family, both financially and structurally. Our experts will help you make the right decision based on the type of roof damage you’ve faced. The bottom line is – you’re not alone – we’ve got you covered.