Most home insurance policies cover areas like the roof in case it gets damaged. It can be comforting to know that the cost of getting a roof replacement can be covered by your insurance. However, there’s a caveat. Your insurance provider will only pay for the cost of repairing or replacing your roof when certain conditions are met. If the circumstances don’t go your way, you might not get your insurance claim approved at all. However, you can do certain things to make sure that when the unthinkable happens, your insurance can back you up and cover for the cost to replace your roof.
Roof replacement and insurance coverage
First of all, you should understand how your insurance coverage works. It doesn’t work miracles like helping you out with the costs of a South Myrtle Beach roof replacement right after your roof has been severely damaged.
Out of all the areas of your home, the roof probably has the most direct exposure to the elements. The heat of the sun alone can damage the roof over time, albeit a very slow process. However, there are instances that don’t wait for nature to naturally damage your roof. A fallen tree, a major hail storm, or a tornado can be quite damaging to your roof to the extent that a replacement is needed.
Most insurance providers only cover the costs of a roof replacement if it is caused by either a fallen tree, storm damage, or other ways Mother Nature can inflict damage on the roof. On the other hand, negligence and the lack of proper roof maintenance will hinder the approval of your insurance claim. If the insurer finds out that you’ve been scrimping on roof maintenance, there’s a high chance they would deny your claim. You should keep your roof maintained if you wish to get your insurance claim approved when that fateful time comes.
Preventing roof issues
Always keep your roof maintained. That’s the number one rule in keeping your roof in top shape. However, you shouldn’t do things on your own. Hire a roofing contractor to do the maintenance. This can help in your insurance claim later on. You might not do that much of a good job with roof maintenance. However, a roofer will do quite the opposite. A reliable roofer can keep your roof in good condition for a long time.
Keeping roof replacement costs down
On average, the cost to replace a roof runs at about $260 to $700 per square foot. The prices will rise or fall depending on the roofing material you choose. Other than that, there’s the cost of hiring a roofing contractor for the installation of the roofing materials. That’s why you should do the following to cut down on roof replacement costs:
- Research roofing materials. Finding a decent roofing material that doesn’t break your bank isn’t hard. However, it will need some time and a bit of research to accomplish.
- Check various outlets and see which company sells them at the lowest price.
- Hire the right professionals. Of course, price isn’t everything but you can opt to choose for the least expensive reputable roofer around.
Planning on filing an insurance claim to cover the costs of your roof replacement? Hire a reliable roofer like South Myrtle Beach Roofing to get the right help you need.
South Myrtle Beach Roofing
Pawleys Island, SC 29586