If your house has incurred roof damage, it is important to promptly contact a public adjuster. At Molina & Rangel Associates, we will help you understand the insurance claims process from start to finish. Your insurance company may or may not provide coverage for the damage sustained to your roof. Usually, roof coverage is represented as wind/ hail coverage, since damage on your roof will most likely come from either of these two, or both. Roof damage and leaks, regardless of their cause, will lead to damage that is more serious on your property if they are not addressed immediately. Your insurance company may provide different coverage options for roof damage coverage. The most common type of coverage is Replacement Cost Coverage, Actual Cash Value (ACV) coverage, or no coverage at all. It is very important to verify each type of policy coverage before making a purchase.
As a homeowner or business owner, it is important to understand how roof damage can affect your property. Windstorms, hail, fire, explosions, sinkholes, and collapse can damage your roof and lead to more severe harm to the interior of your property, as well as any other belongings inside. Heavy damage to your roof can lead to complete loss of the interior of your property and the contents inside. Fixing damage in your home or business immediately is critical to minimizing catastrophe and cost. Contact Molina & Rangel Associates to get started today.
No Claim, No Gain
What to Do in Case of Roof Damage?
During a disaster that could potentially cause harm to your roof, your priority should be reaching safety. In the case of a serious storm damaging your roof and creating leaks that bring a sizable amount of water into your property, it is advisable to turn off or remove any electric appliances from direct contact with water. If hail is falling, you should remain indoors and wait until it recedes to avoid personal injuries. Documenting the damages and making the right decisions — as you try to prevent and mitigate damage — will have a positive effect at the moment of filing a claim to your insurance company. Keep in mind a leaky roof can have harmful effects on your property in the long run, such as water damage to the interior or the property, growth of mold, damages to the electrical wiring and appliances, risk of fire by short-circuit, or even the risk slipping and falling. Contact Molina & Rangel today so we can help you get the compensation you deserve in order to avoid the risks associated with roof damage.
After the damage is done, contacting a local roofer is the first thing homeowners should do. Ensure that these professionals provide you with a receipt for the services completed, so that our experts here at Molina & Rangel can incorporate those charges into your damage claim.
After the roofer provides you with a cost for repairs, your public adjuster here at Molina & Rangel will examine the damage and determine whether or not they agree with the cost. This will help determine what is included in your claim that will be sent to your insurance company.
What Does Roof Insurance Cover?
Most homeowner insurance policies cover roof damage to a certain extent, if not completely. The extent of coverage may be affected by the conditions that were present when the incident took place. For instance, insurers will only pay damages that arise from accidents or sudden disasters. These disasters, also known as “open perils,” include but are not limited to explosions, lightning, hail and windstorms, vandalism, theft, damage from vehicles, and damage from aircrafts. The age of your roof can also be included as a factor in the calculation of your compensation.
Some events and perils that are usually excluded in most policies include — earthquakes, landslides, mudslides, floods, mold and fungi, negligence and general wear, smog, rust, and corrosion. Depending on your insurance company, there may be events that are excluded not listed above. Some of these perils can be included as optional or premium coverage in some policies. Mold damage can also be covered in a standard policy if it is the proven result of a covered leak in your property. However, the mold damage claim needs to be filed separately from the roof damage claim.
Most insurance companies ask for a “deductible” from homeowners between $500 and $1000, which makes filing claims for small leaks purposeless. The deductible may surpass the cost of the repair and no reimbursement will be provided by the insurance company. On the other hand, the insuring companies might lessen claims for heavy roof damage and internal damage might not be accepted in the filing. Looking for professional assistance is always the best option in these situations. Contact Molina & Rangel today to help you navigate your roof damage claim to ensure you receive proper compensation.
Why Do You Need a Public Adjuster?
Your home insurance adjuster will assess the roof damage and provide that information to your insurance company. Most insurers will search for possible pre-existing situations — including, but not limited to, age — in the condition of your roof that will allow them to pay you the lowest amount possible. To get the most out of your insurance claim for roof damage, contact Molina & Rangel Associates.
Depending on your insurance policy, different coverage will provide different reimbursement options. With ACV coverage, your insurance company will factor in the age of your roof and will grant you a smaller portion of the final price you will need to pay for repairs. With Replacement Cost Coverage, the insurance company will pay the total amount of the cost, minus the deductible the homeowner needs to provide.
Our team of expert public adjusters here at Molina & Rangel will help you determine the coverage you need from your insurance company, depending on the area you are located and how susceptible your property is to a certain type of damage. Also, our team at Molina Rangel will help you document, file, and negotiate any roof damage claims. We stand out from our competitors for a high level of attention to detail, thereby maximizing the amount of compensation you receive.
We understand that roof damage or any property damage claims can be extremely complicated and frustrating — Molina & Rangel Associates are here to help. complications of roof insurance and we will help you take the best course of action in any situation.