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.