Roof damage is something every Floridian deals with now and then. With us, your problems will be solved quickly, efficiently and with the best possible outcome. If you have an insurance policy, all you need to do is contact us at A-Z Claims Adjusters and let us file your leaking roof insurance claim. With the professionals employed at our company, you are guaranteed to receive the highest amount possible in your particular case. It doesn’t matter what caused the damage. If you have appropriate insurance, rest assured that you will get the amount of money sufficient to cover all the loss.
Why are we the right company for you?
- We are professional – We approach each case with the maximum of professionalism. That allows us to reach the maximum amount when it comes to compensation from your insurance.
- We are attentive – From the very beginning to the very end, our smiled staff will make to feel comfortable.
- We have experience – With the know-how and expertise in dozens of processes, our employees can help you with every any leaking roof insurance claims.
Roof damage is particularly severe because the roof is, after all, what protects the entirety of your belongings. During heavy precipitation, the roof is the thing that most commonly receives damage. Leaking roof damage insurance claims are, generally speaking, taken seriously in court. Many private insurance companies make sure that the water damage is serious, and that’s why they sent an inspector. Now, it’s your reliable claim adjustor’s job to make sure that your serious claim is taken that way, but there are some things you should know first.
Your leaking roof insurance claim will largely depend on your policy
There are countless different insurance companies in the US, and their policies depend on many things. Just like automobile manufacturers – it’s a free market environment, and everyone’s offering something different, and, in a way, unique. However, this means that in some cases, your roof damage insurance claim cannot pass. For example, if your roof is old, or somehow deprecated. But we’ll get to that later.
How does leaking roof damage happen and what should one do when it does occur?
It’s a widespread occurrence. Most often, it happens due to various forms of precipitation – be in snow, hailstorm, rain, hurricane. The wind is also capable of damaging rooftops, especially cyclones and tornados, which are more than able of ripping roofs apart. Now, there are some other factors, for example, vandalism, but, generally speaking, most claims are water damage insurance claims. Shingles off the roof often fall off and break – it’s hazardous to be outside during an event such as this.
Measures you should take if your roof sustains damage through a natural event
Now, before you file your leaking roof insurance claim, first you need to make sure that you, your family and your property are not in danger. A leaking roof can cause many accidents. Some of them fatal. Electrical installations are especially at risk. It is, therefore, imperative that you remove all possible obstacles and dangers in your immediate area, to reduce the risk. Do not risk a short circuit or something even worse when the water starts clogging up in the attic.
However, it would be extremely prudent to leave as much as you can untouched. Your leaking roof insurance claim will be taken much more seriously if the damage can be assessed first hand. However, some of that damage may pose a threat. You wish to remove it, that’s understandable. However, before you do that, the right idea is to take out your phone and take a few photos and video recordings of the damage itself. When you file your leaking room insurance claim, it’s going to give additional argumentative power to your adjustor’s arguments! Remove what you must, but keep what you can in an entire state.
The age of your roof could present a problem
As we mentioned, your policy can depend on many things. For example, your location. Usually, leaking roof damage falls under the homeowner’s insurance. However, in some cases, that is not the case. One of the examples in, for instance, a hurricane. Hurricane combines both wind and water, and, as such, if a hurricane destroys your roof, you better have both wind and water insurance for your hurricane damage insurance claim to stand a chance. Then again, wind insurance costs about $200 a year, unless you live in a windy or tornado-prone area, which brings us to the price.
The price depends on the area – a lot, in fact
If you live in southern Florida, chances are that your water insurance will cost much more than, say, if you live in Kansas or some other “dry” country. That is perfectly reasonable – the risk raises the stakes. It also depends on the size of your house (therefore, it’s retail value) as well as on what you have inside. Roof leaking puts potentially everything under it into danger, and that’s why you should react quickly and efficiently when your spouse says “Honey, why is there water in the living room?”
The age of your roof is one of the most critical issues, though
Your leaking roof insurance claim will not be thrown out of the court immediately if your roof is old, but it may depreciate its value. Some insurance policies take the age of your roof into account at the time when the damage took place. For example, if your roof is under ten years old, you may be covered for the full cost of repairing or replacing the damaged section of your roof at the time of the claim. If your roof is over ten years old, you may only be reimbursed for the depreciated value of the damaged roof.
The depreciated value takes the aging and wearing of your roof into account, meaning its value has decreased before any damage occurs. One solution to this is reinforced shingles, for example, which are known to be designed to last, well, almost forever. Anything short of an asteroid will bounce off them, and the manufacturer’s warranty can serve as proof of this.
Most importantly, for a smooth damaged roof insurance claim, contact our adjustors
Different insurance companies treat various leaking roof insurance claims differently. That’s life. They will try to pay as little as possible if they can get away with it. That all depends on the policy and its interpretation. However, such a process is not always just towards you. If your roof is damaged, you will find just how expensive it can get. So, without further delay, contact A-Z Claims Adjusters and get your leaking roof insurance claim in proper order!