How Long Do I Have to File an Insurance Claim for a Damaged Roof?
When damage to your roof occurs, it’s best to act as soon as possible – whether that means filing a claim with your insurance provider or calling a roofing contractor to assess the damage. As far as how long you have to file a claim, the short answer is: it depends. It depends on your insurance provider and it depends on the cause of the damage. In some cases, the time limit can be as little as 30 days, while other insurance providers give as long as two years. Knowing your insurance provider’s policy on new claims can make all the difference between a roof repair that is fully covered and one that is completely out of pocket.
Where the time limit is particularly important is if the damage to your roof involves a covered event, such as a natural disaster, weather event, or fire. If you do not file your claim in a timely manner, you run the risk of having your claim denied by your insurance provider. In these cases, waiting too long to file your claim could cause your insurance provider to question the link between the event and your damage, which, depending on what your policy covers, could prevent them from accepting the claim. If your policy covers damage from natural disasters, but not from normal wear and tear, placing a claim for disaster damage months after the disaster occurs could cause speculation on the part of your insurance provider.
Another reason to file shortly after the event is to avoid additional damage to your roof. When damage occurs, insurance providers expect you to protect your property as best you can and prevent further damage. For example, if a hail storm damages your roof and you fail to file a claim or protect your roof from further damage and a rainstorm exacerbates the damage the following week, the insurance company could deny the claim or refuse to pay for the repair because of the later damage that occurred.
To help prove that your damage is event-related, most insurance providers expect you to have your roof inspected regularly to identify wear-and tear-issues – especially if your roof is more than 10 years old. It’s also important to have your roof inspected after adverse weather, even if there appears to be no damage at all. Hail, for example, often doesn’t produce leaks right away, so it’s important to have your roof inspected after a particularly rough storm in order to prevent the initial damage from worsening.
A few loose or broken shingles after a storm may not seem like a big deal, but this mistake could end up being very costly to the homeowner. That is why it is best to have your roof inspected by a trained roofing contractor, such as those hired by John Beal Roofing. Our roofing experts will provide you with a Free Estimate and can help convey the importance of having damaged roofing replaced. We can explain to your insurance adjustor how this may protect the value of the home, preventing problems such as leaks that could end up costing thousands of additional dollars.
Regardless of whether you can see visible storm damage to your roof, contact John Beal Roofing. We can help you to understand if your home has experienced damage and how you can communicate this to your insurance provider when filing a claim. Reach out to schedule your free storm damage inspection today.