What to Do If Your Roof Inspection for Insurance Reveals Problems
When you start on a new insurance plan, you may be required to have a roof inspection for insurance. This roof inspection for insurance will document several factors including:
- The approximate age of the roof
- Whether the roof is constructed with standard or premium materials
- The structural integrity of the roof
- The roof’s general condition of all roof components
- The presence of mold, rust, leaks, damage, and mildew
Ways a Roof Inspection for Insurance Can Benefit You
Some roof inspections for insurance are required, and if you fail to complete them, your insurance policy may be cancelled. Still, a roof inspection for insurance can benefit you in several ways. It can:
- Prevent the insurance company from denying a valid claim down the road
- Catch minor areas of damage or minor issues before they become major problems
- Help you take steps to promote energy efficiency – saving you hundreds of dollars a year in energy expenses
- Help maintain the roof’s warranty (if it has one)
- Alert you to major issues that could cause structural problems to your home, damage to your belongings, or cause liability issues for you
- Save money in insurance premiums
What to Do If Your Roof Inspection for Insurance Reveals Problems
Your roof is the ultimate protection for your home and everything inside it – from your belongings to your pets and other family members to your home’s structure. When a roof inspection for insurance reveals major problems, you will be required to repair them within a specified window of time. Your insurance company is less likely to require you to repair smaller damage or minor issues, but they absolutely will note it in their records and use the information if you ever submit a claim.
Your home contains what matters to you most. If your roof inspection for insurance reveals problems, you should have any issues repaired by a skilled, local roofing contractor as soon as possible. This is true whether the insurance company requires the repairs or not.
Repairing issues in your roof as soon as possible may be an expense that you hadn’t planned for but remember – if a small repair feels like a burden, imagine how burdensome a larger repair will feel down the road.
If you can’t afford to repair minor issues right now, you should try to budget for them to take place as soon as it’s possible. Keep in mind though, roof damage never gets better. It only gets worse.
It’s wise to check around for competitive pricing, but make sure that any roofing company you choose to work with is local, reliable, licensed, insured, and affiliated with an industry organization like the Roofing Contractors Association of Texas (RCAT) or the North Texas Roofing Contractors Association (NTRCA).
Once repairs are complete, you should submit the documentation of the repairs to your insurance company for their records.
Don’t Just Get a Roof Inspection for Insurance
While your insurance company may require a roof inspection, don’t rely on your insurance company to mandate a roof inspection before you get one. Roof inspections should be done annually.
Annual roof inspections will help you consistently identify any area of concern and provide updated documentation that you can use should your insurance company ever try to deny a valid claim for roof damage.
At Dynamic Roofing, we offer free roof inspections in the DFW Metroplex. We have been a trusted roofing contractor since we opened in 2006. Whether you need a roof inspection for insurance or it’s just time for your annual roof inspection, please reach out today.