Before you can get work done on your roof that will be covered by insurance you will need to get an estimate from a professional roofing contractor.
How to get a free roof from insurance.
Your roofing contractor should be able to help you navigate your way through the roof insurance claims process.
If your roof is more than 10 years old you may want to hire a roof inspector who can check for any damage and areas that need repair.
Common reasons for denying a roofing insurance claim are.
A free roof probably sounds too good to be true and the truth is it is.
A roof insurance claim can feel like it is taking forever especially if the roof damage is impeding your ability to do business.
If you think your roof may have been damaged by hail wind or storms and you have homeowners insurance you may qualify for a free roof.
Single family housing repair loans and grants.
Know that a roof insurance claim is a long process.
There are a few ways roofing scams may be presented to homeowners.
The roof wasn t maintained loose flashing or a cracked vent.
This is the most common reason and the next reason is the second most used excuse.
A roofer might offer to pay your deductible.
That s the good news.
A typical all perils homeowners insurance policy does cover your roof and the cost of replacing it if it gets damaged.
Take photos of your roof so you have them on file in case of any damage.
You should not have to pay for a roof inspection.
There are many grants available for people who are experiencing financial troubles and have a roof in need of replacing.
If a member of your household receives supplemental insurance income or aid to families with dependent children you are automatically eligible for the weatherization assistance which can provide government grants for roof replacement.
Other insurance policies only offer coverage on the depreciated value of the roof whether it is newer or older while some policies offer full repair or replacement costs for the damaged areas in spite of its age.
In most cases you can use the roofing company of your choice.
And always consult with a public adjuster or your insurance adjuster if you are unsure about any step of the roof insurance claim process.
Federal programs such as fema help homeowners fund the cost of repairs after a natural disaster.
The roof wasn t installed properly so it is the roofer s fault.
Look online for roofing companies or a roofing contractor that does free roof inspections.
The roofing material is faulty so it is the manufacturer s fault.
If a roofer advertises or offers a free roof this is insurance fraud and you as a homeowner can end up getting punished for a dishonest roofer s fraud.
But usually you re covered only if the damage or.
