When you pay to have homeowner’s insurance, you expect it to cover most damage caused to your home. This should include roof damage. However, while most insurance policies do cover some types of damage to your roof, this is not always the case. The general rule is that homeowner’s insurance will cover your roof if it’s damaged by an act of God. For example, if there is a tornado and hurricane, your roof will probably be covered under your insurance policy. However, insurance companies won’t pay to repair or replace a roof if the damage was caused by normal wear and tear.
The problem is, repairing or replacing a roof can be very expensive. It can cost more than most people’s first car. That is why it’s crucial to try to get it covered by insurance if possible. If you have trouble doing this, then it’s a good idea to call and talk to a storm damage adjustor in Florida.
What is Considered an Act of God?
For the most part, an “Act of God” refers to any natural disaster or unforeseen accident. For example, if you suffer a terrible wind or hail-storm in your area, you may suffer some damage to your roof. The same can be true for a tornado or other storm where your roof loses shingles. Or, a piece of debris could blow on your roof due to a storm and pierce your home’s roof. If this is the case, then it may be covered. It comes down to whether or not the initial damage was caused by an act of God. It is also critical that your claim be filed right away. If you let too much time go by, the insurance company is going to deny your claim for failure to mitigate.
Contact a Skilled Storm Damage Adjustor in Florida
If your roof is damaged in any kind of storm or natural disaster, you should call our office and talk to a skilled storm damage adjustor in Florida. If your claim is denied, they may be able to help. They’ll review the damage and see if they can prove that it was caused by an Act of God. If so, they’ll help file your appeal and make sure you get all the money you deserve. Call today and schedule your free estimate.