Hi friends of Raven Roofing,
We are sending periodic emails to keep you informed, and give you helpful advise about the care and maintenance of your roof. This email addresses the importance of knowing your insurance policy, and which questions to ask your provider.
Many wonder about insurance coverage pertaining to roof repairs, which endorsements you need in case of roof damage, and what will be covered. Here is a great article from Allstate, that we have found helpful. It addresses the basic questions for you to ask.
A very important step in protecting your home is be proactive and to speak to your insurance company to make sure that perils, hail, and wind damage are covered in your policy. If your roof needs repairs after it is damaged by hail or by a tree that topples onto it during a windstorm, you may find that your dwelling coverage helps cover the cost. If the contents of your home are ruined as the result of a covered roof claim, personal property coverage may help pay to repair or replace them.
Another good piece of advise to check and make sure your policy has "Code Upgrade" endorsement. Which means that when/if your insurance company decides to replace your roof they will cover the increased costs associated with making the roof compliant with code standards.