Roof Leaking in San Antonio?
Heavy downpours in July and August may result in leaking roofing on San Antonio homes. Leaving leaks is not an option; your home will sustain further damage. Homeowner insurance policies will pay the cost of fixing a leaking roof, provided certain conditions are met.
So the question isn't, “Can I claim?” but “Should I claim?” We've been roofing San Antonio homes for many years, ensuring that the elements stay outside and your families are safe and comfortable. Here's our guide to insurance coverage for leaking roofs.
What Caused the Damage?
Insurance companies pay out for leaks caused by adverse weather damaging your roof in San Antonio. Bear in mind that they typically levy stiff premiums for common local hazards, such as hail, or require homeowners to purchase additional cover.
However, if the leak in your roofing in San Antonio, TX, results from shoddy workmanship or failure to conduct routine maintenance, you won't be eligible to claim. If your roof is older than the expected lifespan for that particular material, your insurance company probably won't pay out.
Ask Your Contractor to Assess Your Roof
Get a local contractor to assess your home's roof in San Antonio, TX, and determine whether the leak is due to damaged or missing shingles or rusted flashing. They can also investigate whether the framing and decking of your roof in San Antonio are damaged.
Insurance companies will reject your claim for a leaking roof if the repair cost is less than your deductible. A reputable contractor experienced with roofing in San Antonio can motivate the insurer to cover the damages.
What Are the Details of Your Insurance Coverage?
Whether you can claim for a leaking roof in San Antonio, TX, also depends on the type of policy you have. Basic form policies cover only 11 specific causes of loss; broad form policies cover other causes in exchange for higher premiums. However, whether they cover leaking roofs and interior damage caused by the leak depends on the details of a particular policy.
Special form insurance policies cover most any cause of loss and levy the highest premiums. Coverage, exclusions, and deductibles vary by policy. Always check the fine print of your contract!
Claims Can Result in Penalties
Every time you claim damages to your property, it goes on your insurance record, regardless of whether the insurer pays out. If the insurance company covers the damages, you will save on paying a contractor to repair your roofing in San Antonio, TX.
However, the insurer may reevaluate your property as high-risk and adjust your insurance payment upward. Unless your contractor has established that the cost of repairing your roofing in San Antonio, TX, is higher than your deductible, don't file a claim. Draw on your emergency savings fund instead.
In Conclusion
Homeowners should invest in preventative maintenance for their roofs. Doing so makes it far more likely that insurers will approve a claim for a leaking roof. If you need a leak repaired, contact the best providers of roofing in San Antonio for a free quote.