homeowner holding a wooden home figurine with the word insurance on it

Homeowners Insurance For Friendswood Roof Replacement

Storms and aging damage your roof. To avoid out-of-pocket expenses, it is important to ask: does my homeowners insurance cover my property? Homeowners insurance is a type of property insurance that covers Friendswood roof damage. It differs from home warranty and mortgage insurance. Depending on your policy, you may file a claim to cover interior damage, in addition to Friendswood roof replacement. What other aspects of an accident fall under your insurance policy and how does the process work?

What Homeowners Insurance Covers

The amount that you can claim from your insurance provider will differ per policy. Some policies cover the inside of your house, while some cover injury resulting from the incident. Typically, homeowners insurance will cover one or more of the following:

  • Interiors – Water damage may also affect the inside of your home, particularly your ceilings. Major leaks can destroy your entire property, and trapped moisture leads to mold hazardous to your family’s health. It is important to choose homeowners insurance that covers your home’s interiors.
  • Exteriors – In the aftermath of a strong storm, your roof may be left beyond repair, leaving shingles bruised and flashing completely destroyed. Friendswood roof replacement amounts to a significant expense. Fortunately, homeowners insurance covers roof replacement costs in full or partially. 
  • Assets – Homeowners' insurance may also cover personal belongings inside the affected property. A storm or fire not only destroys your home’s exteriors, but they may also affect prized possessions. File claims for furniture, clothing, and other valuables so you can recover more quickly.
  • Injury – There are specific policies that cover injury resulting from property damage. This may be injuries to your own family, as well as to neighbors and passersby. You may be reimbursed for hospital bills and medicine if a liability claim is included in your homeowner's insurance.

What Is a Liability Limit?

All insurance policies have a liability limit. This determines the amount you can claim from your policy to cover the costs of Friendswood roof damage. Liability limits typically range from $100,000 - $300,000. The limit can be increased if you decide to pay a higher premium. When choosing your insurance policy, take into account the cost of a complete Friendswood roof replacement. A Houston roofing company can help provide you with an estimate so that you can decide on the right plan for you.

How to File a Claim

When filing for an insurance claim, there are basic steps you must go through. First, it is important that you understand your policy by reading through your documents. Next, request a roof inspection from our Houston roof experts. They can provide you with the necessary documentation and estimated costs that insurance companies require. File a claim by bringing all of those reports and asking help from your insurance agent. The insurance company will then send in an adjuster to conduct their own inspections and validate the damage you reported.

Get Help for Your Friendswood Roof Replacement

Make sure to get the insurance claim you deserve with the assistance of Amstill Roofing. Not only are we skilled in roof repair and replacement services, but we also understand how homeowners insurance works. We can provide you with a free quote before proceeding with your roof replacement. Get in touch with us today!