When you get a notice from your homeowner’s insurance company that they are planning to drop your coverage because of your roof, it can be easy to panic. After all, all homeowners know how vital it is to have insurance coverage on their home at all times in case disaster should strike. However, it is important that you take a deep breath and try not to panic. Nickerson Roofing is here to talk about what needs to happen when your insurance company tries to do something like this to you.
Insurance Companies Are Required to Give Notice
While insurance companies would probably love to simply drop everyone that they saw as a financial liability, they aren’t allowed to do that without notifying you first. They are required by law to give you notice before ending your coverage. The most common reason that insurance companies will drop coverage on a home is because of the age of the roof on the house. This is a massive expense and as the roof gets older, it becomes more of a liability. In some states, it isn’t legal for an insurance company to drop your coverage simply because your roof is old. However, they can make you jump through a few hoops to keep your coverage.
Working with a Roofing Contractor to Keep Insurance Coverage
Sometimes, an insurance company will require you to get your roof inspected and repaired by a licensed roofing contractor to continue your policy. When you’re working with a roofing contractor to meet these demands, you will want to make sure you do everything that they recommend so they can give you the certification that you’re looking for to handover to your insurance company. Here is what a contractor will be looking for:
– Any sign of damage and the location where the damage is
– The severity of the damage and whether or not the damage is just on the surface or if it is much deeper
– Any sign of water damage, rot or decay on the roof
– Take note of any previous repairs done on the roof
Don’t Forget to Document
When you’re working with a roofing contractor, you should be able to sit back and let them take the wheel. They more than likely know exactly what they need to do to meet the demands of an insurance company. There should be photo and video evidence taken, receipts and records of roof repairs done, and all documentation your roofer provides gathered up. Once you have all of this done, you can reach out to your insurance company and get to work in reinstating your poly and coverage.
Roof Repair, Replacement & More in Truckee, Mystic, Tahoe City, Kings Beach & The North Lake Tahoe Basin of California
If you have a problem with your roof, you can turn to Nickerson Roofing to help ensure your roof is in great condition and able to provide your home with the protection it needs to weather the storms that are sure to come. We will work with homeowners to meet any demands that their insurance companies have put in place as well. Call us today!