For Toledo Residents: Will Insurance Pay for My Roof Replacement?

Replacing a roof is an expensive project, no matter who you hire or what material you use. Insurance coverage can significantly change the financial situation for the project. Knowing whether your insurance will pay for your roof is an important thing to look into before you begin any roof replacement project. If you’re a Toledo, OH resident, there are a series of things you can do to try to find out whether you are eligible for insurance coverage.

Look for Storm Damage

Immediately after a large storm occurs, check your roof for any damage. If there is damage that you believe was caused by the storm, call a reputable roofing company as soon as you can. They will come inspect your roof and provide you with more details about the extent and cause of the damage, as there may be damage that only a roofing expert can identify. In Ohio and other parts of the country, many insurance companies have a time limit between when damage occurs and when you can file a claim. After anything happens that you believe may have impaired your roof, investigate and pursue it as soon as you can.

Document the Details of the Damages

Pictures and documented details can be strong evidence when you file an insurance claim. A roofing expert will be able to give extensive details about the extent of the damage and necessary repairs. If you decide to file a claim with your insurance they will require proof of the damage and that it is severe enough to warrant a claim. It is a good idea to periodically take photos of your roof, especially after maintenance or replacement. Keep a record of the photos and when they were taken so that if you are filing a claim you can have proof that the roof was not impaired before the incident occurred.

Contact Your Insurance Company

The most important thing to do if you are considering filing a claim for roof damage is to find out the exact details of your policy. Contact your insurance company as soon as possible and get details about what your coverage is. Many insurance companies take various factors into account when deciding on a claim including the age of the roof, the material the roof is made of, and the state of the roof before the incident. Your insurance company will most likely send out a representative to investigate the damages and determine the cost.