Texas has harsh weather conditions that can significantly impact the condition of your roof. These types of issues are a common concern for businesses and homeowners across the state.
If your home has experienced the devastatingly destructive force of hail, wind, or water, you may wonder whether it is worth claiming roof damage on insurance. Read on to find out what factors should be considered when filing an insurance claim for storm damage.
How Severe Is the Roof Damage?
Texas is well known for its adverse weather conditions. From hailstorms to potential of hurricane-force winds, the likelihood of significant storm damage is a real possibility. When the damage is severe, it is often easy to detect leaks, falling shingles, and other obvious damage. However, even seemingly small events can cause damage to the integrity of your roof, necessitating repair or replacement. It is often difficult to fully evaluate the damage yourself. Therefore, if you know there has been a weather event in your area, it is important to fully investigate the damage to the roof and whether an insurance claim should be filed.
How Old is Your Roof?
Some insurers impose limitations on coverage for older, worn, or poorly maintained roofs. It is important to understand whether you have replacement cost coverage that would pay the entire cost of repairing the damage (at current prices). If not, you may only have an actual cash value policy that pays less if you have an older roof. In such cases, your insurer may try to deny the roof damage claim altogether.
This is one reason why Kirk Law Firm, PLLC believes legal representation is so important. Your damage must be accurately and fully evaluated, and we can help you do so and assist in filing your claim. Likewise, if your insurance company denies, underpays, or acts in bad faith, we can help you negotiate with the adjuster and, if necessary, initiate a lawsuit to protect your property.
Weigh the Cost of Repairs Against Your Deductible
If your roof damage is minimal, we recommend comparing the cost of repairs to your deductible. Percentage-based deductibles are common in Texas and represent roughly one to two percent of a dwelling’s insured value.
For example, if your home is worth $500,000, a typical deductible can be as much as $10,000 or more. When deciding whether to file an insurance claim, it is essential to have a knowledgeable roofer evaluate the damage to see if the repairs needed are less than the deductible.
Talk with an Attorney Experienced in Roof Damage to Find Out When Filing a Claim is Worth It
Whether it is worth claiming roof damage on insurance is a great question to ask your experienced attorney from Kirk Law Firm, PLLC. Whether you have a commercial or residential claim, we can help ensure your provider treats you fairly and adheres to Texas’s legal requirements.
With our team’s extensive experience across the state of Texas, we can help you effectively pursue rightful compensation from your insurance company. If you suspect your home may have been damaged due to a weather event, do not wait! Reach out today for a free consultation and learn more about claiming roof damage on insurance.
