The roof is a critical part of your home, offering protection from whatever weather Mother Nature brings to Round Rock, TX. Because it is the last line of defense between your home and the outdoors, it often suffers damage when there are particularly harsh storms in Texas. It’s important to understand insurance coverage so you can get the roof repaired when necessary and have it covered if it’s eligible under your policy.
Read Through Your Insurance Policy
While it’s not exactly the most compelling reading you will find, taking some time to comb through the details of your policy is important—and it’s best if you can do it before you have something happen to your Round Rock roofing. If you have specific questions about policy coverage or want to know more about additional coverage, it’s best to get in touch with your provider.
Understand What’s Covered and What’s Not
Generally homeowner’s insurance covers damage to your roofing in Round Rock, TX if it was caused by something that you could not prevent—including natural disasters like tornados or hurricanes (called “acts of God”), vandalism, and fire. Other weather-related damage from things like rain, wind, and hail may be covered, but the fine print of your policy may have some exclusions that you should be aware of that would disqualify it from being reimbursable. Again, read your policy thoroughly and carefully to find out any exclusions.
Determining Coverage Limits and Exclusions
Sometimes policies will limit the amount they will reimburse for damage to your Round Rock, TX roofing based on the age of the roof, prior maintenance and upkeep, and other factors. Having regular inspections done by professional roofing contractors in Round Rock can help create a paper trail that shows the condition of your roof prior to the storm, which can help bolster your case for higher reimbursements if the roof was in great shape.
Other things that can limit insurance coverage include water damages caused from flooding, normal wear and tear on an aging roof, and damage that results from mold or mildew.
After the Storm
When your Round Rock roofing suffers damage, take photos of the damage (if it is safe for you to do so), and contact a roofing contractor immediately to get an estimate of the cost to repair your roof. Make any emergency repairs right away so there is no further damage to your home. Document any expenses that you incur when repairing the roof and keep meticulous paperwork of all the work done so you can submit it to your insurance company.