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Roof Inspection News

Home Insurance

homeowner protecting their roof with their hands to represent the importance of roofing insurance

How Houston Roofing Insurance Claims Work

A roof in Houston typically lasts an average of 20 years. However, your roof may last less than that or even beyond that, depending on the type of Houston roofing your home has. Houston weather conditions will also impact how long your roof lasts. In the event that you need Houston roof repairs or a Houston roof replacement, you can actually use your homeowner’s insurance to help cover some of the costs. This post will break down how insurance claims work.

Step 1: Review Your Insurance Policy

So you’re concerned about needing Houston roof repairs or a replacement. Before you file an insurance claim, you should first review your policy to see what you’re covered for and what you aren’t covered for. Generally speaking, roofs that are less than 10 years old may be fully covered. 

Step 2: Contact Our Houston Roofing Contractor

At this point, it will soon be time to call your insurance and file your claim. Before that, though, we recommend you schedule a free roof inspection with us so we can assess the damage and give you an idea of how your homeowner’s insurance company may respond. With this inspection, we can also provide a free estimate.

Step 3: Insurance Adjuster’s Inspection

Once you file your insurance claim for roof repairs or Houston roof replacement, your insurance will send an adjuster to your home so they can complete their own inspection. This inspection is what will help them determine how much coverage they may offer you. As a top-rated Houston roofer, we place great importance on not just fixing roofs, but also educating and protecting Houston homeowners, so we recommend you schedule the insurance adjuster for a day and time in which our own roof inspector can also attend. This way, we can ensure the adjuster offers the coverage you need and deserve and you don't run the risk that they will ignore or miss crucial signs of roof damage.

Step 4: Amstill Will Complete Roofing Work Within A Day

Once your insurance coverage is finalized, we will gladly complete your Houston roof repairs or roof replacement. Over 90% of our Houston roofing jobs are finished within a single workday so you can immediately feel safe and protected by your roof. We understand how especially important your safety is now that we are in peak hurricane season. If you would like to proceed with roof repairs or a much-needed Houston roof replacement, please contact us. We will happily service your roof.

Insurance providers determining the premium a tomball homeowner should pay for roof repair or roof replacement

Your Tomball Roof Condition Affects Your Insurance Premiums And The Coverage You Can Get For Roof Work

Homeowners’ insurance is necessary, but it can be hard to understand. However, it comes in handy when you need to pay for Tomball roof repairs or a Tomball roof replacement. This post will break down how homeowners’ insurance works and how you can get the most out of it.

What Is Your Insurance Premium?

First and foremost, your homeowners’ insurance is intended to alleviate some expenses that become necessary as a result of weather damage, such as a hurricane, tropical storm, or hail storm. How much coverage you get from your insurance policy is relative to your premium. A higher premium is paid when you get more protection.

Many factors are taken into account when your homeowners’ insurance company is determining what your insurance premium should be. One of them is risk, which is relative to your Tomball roof condition.

How Roof Condition Influences Your Insurance Premium

When it comes to buying homeowners’ insurance, the provider will look at your roof to see its condition. If your roof is fully intact–meaning there aren’t any missing shingles, balding spots, curling shingles, or cracked/dented chimney flashing and roof shingles–then you are considered “low-risk”, which means it is unlikely that you will require a massive payout.

On the other hand, if your roof is in poor condition and it’s clear that it has sustained significant damage that you haven’t taken the time to address, then you are considered “high-risk”, so your premium will be higher. It’s important to note that higher premiums are more likely in locations that are prone to frequent and severe weather events, such as Houston and surrounding cities like Tomball. 

Get The Most Out Of Your Tomball Homeowners Insurance

Getting the most out of your insurance policy means proving that you are proactive in keeping your roof in check. Performing regular Tomball roof maintenance is a great way to be proactive so that, when the time comes for a weather-related Tomball roof repair or Tomball roof replacement, your insurance company will be very helpful in covering a good portion of the Tomball roof damage your home is exhibiting. If you would like help filing an insurance claim and getting as much coverage as possible, please contact us so we can start by conducting a free roof inspection to estimate how much coverage you are eligible for.

Home insurance to file a damage claim

How to Make Paying For Houston Roof Repair or Replacement More Affordable

As we approach more extreme weather conditions, whether it be from hail storms, hurricanes, or tropical rainstorms, you may be considering getting a roof replacement, or you’re looking for someone to offer some Houston roof repairs, at the very least. You want to make sure your roof can withstand these weather conditions and that your family is safe at home, but perhaps you’re worried about breaking the bank and, as a result, are putting off any roof work. However, did you know that there is a way to make your necessary roof work more affordable?

Look to Your Homeowners Insurance For Help

Many of our customers have completely forgotten they can turn to their homeowner's insurance if they need help paying for any roof work, such as roof replacement or roof repair. It’s a bit of a process, but we are here to help make it easier!

First, Look at Your Policy

Before anything, we recommend you read your insurance policy so that you gain a better idea of the coverage you can get for the damage you may have. In general, if your roof is less than 10 years old, you may get full coverage. This is because 10 years is the average length of time that a Houston roof should last. If it undergoes plenty of damage before then, then you have every right to get more assistance in paying.

Next, Have Amstill Complete a Free Roof Inspection

We are proud to offer free roof inspections to Houston homeowners to ensure they are safe all year round. If you are considering a roof replacement, then let us thoroughly inspect your roof in order to fully assess the level of damage. With our 40+ years of experience, we may also be able to give you a general idea of how much you may end up paying.

File a Claim With Your Houston Homeowners Insurance

Once our inspection is complete, you should contact your insurance provider and file a claim for damage. We suggest you take photos of the damage since the company will want to see adequate documentation.

Insurance Adjuster Will Do an Inspection

Your insurance provider will send an adjuster to complete their own inspection and provide an estimate, but we encourage you to allow us to be there for that inspection as well so we can make certain they don’t miss any damage and give you less coverage than you deserve.

Amstill Roofing Will Complete Your Houston Roof Repair and Houston Roof Replacement

Regardless of what caused your roof damage, we are happy to help fix it so you, your loved ones, and the rest of your home are safe as more severe weather comes our way. Please contact us if you’re in need of a repair or replacement so we can get started as soon as possible.

Using Your Home Insurance For Houston Roof Repairs or Replacement

Using Your Home Insurance For Houston Roof Repairs or Replacement

A roof in Houston typically lasts 20 years, on average. How long your particular roof lasts, however, will also depend on the type of roof shingles you used when you built your house or when you last got a roof replacement. Keep in mind that Houston weather conditions will also play a role in the lifespan of your roof. In the event that storm damage, winter damage, or aging caused some roofing problems, you can actually use your home insurance to help cover the costs of fixing it. Here are the steps our roofing experts recommend you take when it comes to using your insurance to meet your roofing needs.

Step 1: Understand Your Policy

First things first, we recommend you read through your home insurance policy in order to get a better idea of what kind of coverage you get. As a general rule of thumb, roofs that are less than 10 years old may be fully covered by your insurance company if you are in need of a repair or replace it.

Step 2: Get an Inspection

Once you’ve read your policy, it’s time for a free roof inspection. We like to recommend this next because this way, our roofers can fully assess the damage that your roof has undergone over the last few years.

Step 3: File a Claim

Once we complete our inspection, it’s time to contact your home insurance company and file a damage claim for repair or replacement. Your insurance company will want extra documentation, so we suggest you take photos while your roof is still in-tact and save those for when you need to fix it.

Step 4 - Insurance Inspection

Once you file a claim, your insurance company will send their adjuster to complete their own roof inspection so that they can provide an estimate. We highly recommend you schedule the insurance inspection on a day when our inspectors can also attend. This way we’ll ensure the adjuster offers the coverage you need. Additionally, since we offer inspections for free, you won't be adding any more costs.

Amstill Roofing is Here For All Your Houston Roofing Needs

If you think it’s time for a roof repair or a roof replacement, please contact us so we can inspect your roof and begin the insurance process. Once your claim is approved, we will happily complete your repair or replacement for you, usually within a day’s work.