There is perhaps no comparably serious reason to call for emergency roof repair services than after a hurricane hits your home. While weather services can predict storms to a reasonable degree, it can’t be helped that your roof might still incur some damage under extreme conditions. This is one of the reasons why being covered by homeowners insurance can be helpful.
Before you sign up for a policy, however, it’s important to check a few points to make sure that roof replacement or repairs are covered sufficiently in the event of natural disasters.
Full Coverage for Property Damage
Most insurance policies cover only a percentage of the total insured value of your roofing system. This number can range from 50% to 70%. It’s important to check the correct percentage at the start of your policy to avoid getting surprised later. Of course, it’s also possible to increase coverage by talking with your insurance agent, but this usually means you’ll pay a slightly higher premium as well. Don’t forget to include living expenses in your calculations as it is likely you may be displaced after a hurricane hits.
Prepare for a Deductible
Depending on your policy, you may also be expected to shoulder a deductible for your roof repair or replacement coverage. Some providers may include a separate deductible for roofing damage specifically caused by hurricanes, so clarify this with your agent right at the beginning.
Reading the Fine Print
Just as it’s important to know what is covered by your insurance, expert roofers also emphasize the importance of knowing what is not covered. This could mean a variety of natural disasters like earthquakes, floods and other acts of God. Make sure to discuss this with your agent before signing on to any policy.
At Willi Roofing Services, you can count on us to help get your hurricane-damaged roof back in good shape. Give us a call at (512) 394-8234, or fill out our contact form to schedule a post-storm inspection and request a free estimate today. We serve homeowners in Austin and other nearby areas in Texas.