Winter storms are the third biggest reason for filing insurance claims, next to hurricanes and tornadoes. In a report by the Insurance Information Institute (III), winter storms caused over $1 billion in damage to properties just the previous year alone. When you’re filing a claim for a roof replacement service necessitated by a sudden snowstorm, it’s important to know if your insurance will cover the damage or not.
Navigating the terms of any insurance policy can be tricky and homeowners insurance is no exception. It’s perfectly fine to seek help with this matter especially if it’s your first time to file a claim. Let our professionals at Bradford Xterior – Denver walk you through homeowners coverage for winter storm roofing damage.
Is It Covered?
The short answer is yes, it is usually covered. The coverage, however, varies on the type of damage you incurred. If you’re hiring a roofing company to fix a collapsed roof due to excessive snow, most homeowners insurance will cover replacing the roof as well as any of your other properties affected by the problem.
What’s Not Covered?
Insurance companies reserve the right to deny claims for damages that result from neglect on the part of the homeowner. This means that any problems caused by failure to maintain your roof, not necessarily caused by a storm, will not be covered by your insurance. In the roofing industry, this usually means incidental damage such as melted snow water penetrating your basements and foundations due to clogged gutters and downspouts, or any other similar occurrences.
As soon as the storm passes, contact your local roofing and siding contractor for a full assessment of your home. An insurance company will also send a representative to do the same but it’s usually helpful to have an initial assessment conducted by a licensed professional ready when they come. Professional companies can even help you identify problems that might not be easily spotted by untrained eyes.
From ice dams to wind damage, our skilled roofers at Bradford Xterior – Denver are ready to help you with all your insurance claim challenges. Give us a call at (720) 520-2514 or fill out our contact form to schedule an inspection and get a free estimate on repairs and replacements today. We serve homeowners in Denver, and nearby areas in Colorado.