It is the time of year when storm damage necessitates every homeowner to ask, “Do I repair my roof shingles, or do I replace them?” The decision may be yours, but how much it costs may be decided by your insurance company. What will your insurance company decide to do if your shingles were damaged in a storm and there are no replacements because your particular shingles have been discontinued?
In most cases, insurance companies will replace your entire roof if there is no acceptable match for your existing shingles. However, read your policy, as this is not always the case. For example, if you experience a windstorm that completely obliterates one side of the home, some companies have determined that they will only repair the damaged section, and they will not replace the entire roof.
Understand your insurance policy
It is also important to be careful when installing a roof. There have been circumstances where a roof had multiple layers of shingles, and the policy only covered tearing off one layer. Guess who will be responsible for the additional shingle removal? When it comes to roof repair and replacement, homeowners are discovering that buying the cheapest insurance is not always the best deal. It is important to make sure that your policy not only replaces your roof, but that it is written to ensure that repairs will bring your home up to the most current building codes.
Change your insurance policy
If your roof is destroyed in a storm, you could run into a case where your policy will only pay for something that is identical to your current roof. However, if the building codes or standards have changed, you do not want to get stuck with the bill for the compulsory changes to make your roof compliant. It is advisable that you check your policy, and if necessary, add a rider that covers code upgrades. Generally, such an item is very inexpensive.
As I found out when I had to repair my roof shingles, your insurance is a very important part of your financial protection in the event of a catastrophic event. Do not wait to find out when it is too late to make a change, set aside some time to have a meeting with your insurance agent, express your concerns, and make sure your policy protects you as it should. In other words, protect your roof so that it can continue to protect your home.
One of the top Charlotte roofing contractors
If you are in need of roof repair and you think it may be directly related to storm damage, call your Charlotte roofing contractors soon because you only have a limited time to make a claim for storm damage. Residents of Charlotte and Concord, NC, are fortunate to rely on Advanced Roofing and Exteriors for roof repair and roof replacement. Advanced has been serving the area for over twenty years. They are highly rated by the Better Business Bureau, and they enjoy a reputation as trustworthy and experienced. Call them today to request an inspection for storm damage; pick up the phone and say, “Help me repair my roof shingles.”