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How to Choose the Best Insurance for Storm Damage and Denver Roof Repairs


November 29, 2017

While you always hope for the best, sometimes storms happen. In some cases, a roof or house can become damaged. Therefore, it is important to be prepared in the event of a worst-case situation and make sure you have insurance that covers the damage. This will help you restore the quality of your home. Learn more about choosing the different types of homeowner’s insurance, using insurance to cover Denver roof repairs and tips for submitting your insurance claims.

Choosing Types of Homeowner’s Insurance

When choosing which types of homeowner’s insurance, it is important to make sure it covers events likely to happen in your area. But then you also need to decide what extra coverage you might need. For instance, some choose to forgo flood coverage but then in the case of a flood, it can lead to a huge loss. As you choose, make sure you know exactly what will be covered and keep these things in mind for future reference in case of emergency. You can shop around to a few different agencies to help you get a great price on your plan. As you shop, ask insurers about top things that can reduce your cost such as safety features in the home or home upgrades to make. Last, another way to save money is to get homeowner’s insurance through the same place your auto insurance is from. Factor that in as you make your decision when selecting one of the types of home homeowner’s insurance.

Using for Roof Repairs

A multitude of factors can occur with a roof that will lead you to using your homeowner’s insurance to fix. Over time, general wear and tear can lead to damage. From broken and missing shingles to aging flashing, once your roof hits a certain age, you may be eligible to have it repaired or even replaced—all covered under your insurance. In other cases, after severe weather, both in the summer or winter, you may need to use insurance to fix. During storms, lightning can damage shingles while hail can dent siding and severely damage a roof. In the winter, ice dams can form around gutters when the weight of frozen water and snow weighs heavily. The weight can lead to parts of the roof or gutters to buckle. Using your insurance is necessary to fix your issue.

Tips for Submitting Claims

In the event of severe weather, once the storm has passed and it is safe to go outdoors, take the time to review and assess the damage. Take pictures as this can come in handy with your claim. After you assess damage, contact your insurance company to submit your claim. From there, they will send out an adjuster who will also assess the damage. They will work with you and the insurance company. Once they have completed their findings, and get you an amount they will pay to cover the damage. During this time, you will also get a quote from a roofer. By working with a premier, local roofer you can count on an amount that will work with your budget and homeowner’s insurance.

As a homeowner, you want to be sure you know and understand the ins and outs of insurance from Denver roofing professionals. For help covering your roof damage, The Roof Dr. is your go-to local in the Denver area. Contact us at 720-606-ROOF to see how we can help you with your insurance claim and repair.