Insurance Coverage

Now that you have identified and documented all the roof damage that needs to be repaired you may begin working with your insurance company on your insurance coverage. First of all, you need to schedule a visit by an insurance adjuster once your roofing contractor confirms the damage. Moreover, your contractor may wish to meet you and the adjuster at the time they visit your property. It is very important that they are present to point out areas of damage and concern to the adjuster.

Standard homeowners insurance policy generally includes six types of coverage. We will try to explain each one of them in this article.

Deductible - is an amount of money, specified in an insurance policy, that the insured must pay before the insurance company will pay the claim. Deductibles are sometimes called “self insured retention “ because it is the part of the claim that the insured will pay. Deductibles serve to keep the number of small claims filed to a minimum. Additionally, insured can choose a higher deductible to receive a lower premium.