When those 2 work together, then the homeowner/policyholder should succeed in obtaining all of the needed coverage.
Smart homeowners prepare for the worst-case scenario.
An essential part of such preparations requires an effort at keeping up with regular roof maintenance. The homeowner’s insurance policy might cover some of the repairs, but not those that represent damage due to neglect. In other words, the insurance company should cover any sudden or unpreventable damage.
Keep the documents that verify completion of these maintenance tasks:
–Removal of moss, mildew and debris
–Having the gutters checked
–Having the flashing checked
If photos are taken of any completed projects, be sure to have each of them time stamped.
Types of insurance policies that cover damage to roofing
Open peril: This covers damage that was not listed under the heading of “exclusions.” Common exclusions are flood, moss damage, water damage, mold damage and earthquakes.
Named peril: This type of policy covers only a named damage.
Among those policies that cover replacement of some section of the roofing, not all of them cover the cost of an upgrade. The others require a replacement that utilizes the same materials that had been in the original roof.
All policies that cover roofing come with a deductible.
There is no uniformity in the size of the deductible. A smart homeowner looks for a policy that has a realistic deduction. That means that the required payment to the insurance company should be one that the homeowner feels ready to handle, based on the size of his or her current salary.
An insurance company would, of course, have the right to increase the size of the deductible. It might exercise that right, if the homeowner had submitted a series of claims about some type of damage to the roofing system.
Still, homeowners do have the ability to limit the times when their deductible might get increased. Each of them could put a limit on that occurrence by taking the suggested actions. Such actions would involve doing things like obtaining documentation for the completion of any maintenance efforts.
In addition, a homeowner should have an inspector from a reputed roofing company in San Jose make regular visits to an ongoing roofing project. If the inspector were to ok a given project, then the insurance company would have less reason to suspect a link between the emergence of roof-associated damage and shoddy workmanship by the contractor’s employees.
In fact, an inspector’s verification for the suitability of a contractor’s work could lead to coverage of water damage. In theory, the inspector’s verification should serve as a guarantee that the chances for water damage have been reduced to almost zero. Consequently, any such damage would qualify as sudden and seemingly unpreventable.