Homeowner’s insurance is one of those necessary evils that we all don’t love paying for until we have to make a claim to help fix something expensive on our homes. Homeowner’s insurance can be incredibly helpful when disaster strikes, and since we don’t have control over disasters, it is something that we need to have in place at all times, just in case. But what happens if your insurance company all of a sudden drops you? Unfortunately, it happens more than you would think. First Choice Roofing is here to talk about what happens when your insurance company drops you because of your roof and what can be done about it.
Why Homeowner’s Insurance Gets Cancelled Due to Roof Issues
If you have been notified that your insurance company is dropping you as a client because of your roof, it is usually because of the age of your roof more than anything else. If your roof is over 15 years old, it is more of a liability for insurance companies. There is a greater chance that a storm will come through and they will get stuck footing the bill for a replacement. In some states, there are laws in place so that insurance companies can’t simply drop you because of the age of your roof. However, they can have certain stipulations put in place to continue with your policy.
The Need for Roof Inspections & Repair
When you have an old roof on your home and your homeowner’s insurance is demanding that you have it inspected and repaired at a certain frequency to continue with coverage, this will mean that you need to find a roofing contractor to help you. They will inspect the roof and give you recommendations as to what repairs need to be made. When the repairs are made, they can certify the roof and that is often enough to appease your insurance company. These are some of the things that they will be looking for in the inspection:
– Locate any damage and the severity of it
– Decide if the damage is on the surface or a deeper issue
– Locate any water damage, rot or decay
– Look at previous repairs
Documentation is Important
If you’re working with a roofing contractor, you will need to make sure that everything is documented so that you can prove your to insurance company that you are doing everything that they are requiring of you. Once repairs are done and documented, you can contact your insurance company and ask them to reinstate your policy. You should definitely never go without insurance.
Emergency Roof Repair, Replacement & More in Reading, Wyomissing, Blandon, Shillington, Ephrata, Columbia, Lititz, Millersville, Mount Joy and Lancaster, PA
If you have roofing inspections and repairs that need to be made, you can contact First Choice Roofing to take care of you. We will give you our honest recommendation as to what your roof needs whether it is repair or replacement. Call us today!
