Your roof is an important investment, and fixing it when it becomes damaged or needs repairs can be quite the undertaking.

Your insurance might cover some or all of the work, but you shouldn’t assume your policy can come to your rescue in every situation.

Read on to learn more about what you need to know about filing an insurance claim for your Phoenix AZ roof repair.

What Does My Insurance Cover?

Your roof is covered by the dwelling coverage section of your homeowner’s insurance policy, although the types of roof damage covered will depend on the specifics of the policy and the circumstances behind the damage.

However, most policies cover accidental damage and damage caused by weather/disaster related events (wind, fire, snow, etc.)

If the lifespan of your roof is shortened due to this damage, your policy may cover the cost of replacing the roof even if the damage is just partial.

“For example, if a homeowner has asphalt shingles damaged by hail strikes, an adjuster would count how many strikes occurred in a section to determine the impact on the lifespan of the roof,” Ashley Chorpenning writes in Forbes. “If there are enough strikes, the roof lifespan is substantially implicated and it needs to be replaced.”

That’s because this type of damage compromises the integrity of the roof, even if it’s not leaking or taking on water.

In some cases, your insurer may have to replace your entire roof when the materials used for repair are no longer available. (For example, your roof is made from a tile that’s no longer being produced, you’d need to replace the entire roof so that it was covered in one uniform material.)

You might find that your policy offers different levels of coverage for wind or hail damage compared to damage for other causes.

In some cases, your insurer might offer actual cash value coverage for hail and wind damage for roofs too old to qualify for replacement value coverage, Chorpenning says. This means you may end up with less money than you need to replace your roof.

Lastly, it’s important to note that because you are responsible for maintaining your roof, your insurance likely won’t cover damage that is the result of a lack of maintenance. And if you neglected your roof before a storm hit, your insurer might be able to argue that the damage was caused by your failure to keep the roof in good shape.

Insurance Claim Help For Your Roof Repair in Phoenix AZ

Dealing with insurance companies in the wake of a storm can be stressful and time consuming, leaving you feeling like you’ve been victimized twice: by the storm and by your insurer.

It doesn’t have to be this way. Working with a Phoenix, AZ roof repair company that understands the insurance claims process can ease your burden in this troubled time.

R4 Roofing is that company. Our team looks forward to helping you with your insurance claim. If your home has been damaged by wind or hail, get in touch with us — and your