Should I File An Insurance Claim For My Roof?
Are you wondering what roof damage your homeowner’s insurance covers? What is roof damage vs. normal wear and tear? RA Cooks can help!
When To File A Roof Insurance Claim
Consider filing a claim if you have…
Navigating Roofing Insurance Claims
We want to help you through it all.
Keep reading for more on navigating the insurance claims process. And when you have a roofing or interior restoration crisis, call the experts at RA Cooks Renovations for your free inspection and estimate.
Let’s face it—you’re busy and you don’t have the time to navigate the potential obstacles of an insurance claim. That’s why a roofing contractor like RA Cooks Renovations is by your side throughout the process, working directly with your insurance company when you have a damage claim.
Keep reading to learn more about supplements and code upgrades….
Supplements are often referred to as the “back-end costs.” These costs are expected by the insurance company but cannot be determined or included in the RCV until the roofing or interior restoration work is underway. Examples of a roofing claim would include deteriorated decking, hip & ridge cap shingles, and flashing materials; and for an interior claim could include mold within the wall, or electrical or plumbing damage not seen until the damaged drywall or flooring has been removed.
Code upgrades are items that weren’t required by your local zoning codes at the time your house was built but that are now mandated. Current roofing examples include installing drip edge, ice & water on your drainage eves and even installing plywood if you have a wood roof. If your policy does not have code upgrades included – it’s a common way for an agent to try and save you a few bucks on your monthly payment – you as the homeowner will be responsible for paying for these upgrades, in addition to your deductible. If you do have code upgrades as a part of your policy, everything is covered, and you will only be responsible for your deductible.
If you’re looking for roofing companies that work with insurance claims, look no further! RA Cooks Renovations has been helping homeowners repair or replace their roofs for decades. Our team is experienced with navigating this entire insurance process. We understand all of this is a major inconvenience to your routine and we are here to do everything we can to alleviate your stress and provide you peace-of-mind.
When you have damage to your interior or exterior that is covered by your homeowner’s policy, give us a call at 937-938-6911. One of our experienced team members will schedule your free inspection and get you started on the roof insurance claim process.
1922 S Smithville Rd Kettering OH 45420