There is no way that a homeowner can go without homeowner’s insurance to protect themselves against the risk of damage to their home due to disaster. It would be incredibly unwise to attempt to do so, but what happens when your homeowner’s insurance company tries to drop you because of the condition of the roof on your house? Marshall’s Roofing & Contracting is here to talk about what you should do if this were something that happens to you.
Ask Insurance Company for Specifics on Cancellation Due to Roof
If you have been dropped because of the roof on your home, you can demand that the insurance company gives you specifics as to why. They have to give you advance notice when they are planning to drop your policy with them. The most common reason that insurance companies give to homeowners has to do with their roof. When your roof reaches a certain age, there is a greater likelihood that it will become damaged by a natural disaster and need to be replaced. This is where your insurance company comes into play. They don’t want to get pegged with the bill. However, most states won’t allow them to drop you because of the age of your roof alone. The insurance company might require you to work with a roofing contractor to continue your coverage though.
How Roofing Contractors Help You Keep Your Insurance Coverage
When you call on a roofing contractor to come and inspect your roof per the insurance company’s demand, it is important that you do what they recommend. Usually, the insurance company will want the inspection to be completed, and any repairs done that could help extend the life of the roof. Here is what a roofing contractor will be looking for:
– Locate the damage and determine how much of the roof it is impacting
– Decipher the severity of the damage
– Look for any sign of water damage, rot or decay
– Take note of any previous repairs made on the roof
Roof Work Documentation is Important
It is vital that the inspection and all the work that is done on your roof is document. The more specific the documentation, the better too. This documentation can prove that you have had any damage fixed and given to your insurance company. Once you have the repairs finished and the paperwork filled out, you can reach out to your insurance company and require they reinstate your policy and coverage.
Roof Installation, Replacement, Repair & More in Columbia, Jessup, Elkridge, Ellicott City, Clarksville, Fulton, Laurel MD and Howard, Carroll, Frederick, Baltimore, Anne Arundel and Montgomery Counties in Maryland
If you have an old roof and your insurance company is worried about it, you can turn to Marshall’s Roofing & Contracting to get things squared away for you. Whether you are in need of roof repairs or replacement, you can leave it up to us to take care of it. We will make sure your roof is in a position where your home is protected against future damage. Call us today!
