Insurance Restoration For Roof Damage In Greely, ON

December 21, 2023
Case Study

How Much Does Insurance Restoration
Cover With Greely, ON Roof Damage?

Learn What Insurance Will Pay
& How To Handle The Process

One of the most common questions about Greely, ON insurance restoration is associated with costs. After all, when your roof has been damaged, you expect your insurance to step up and take care of it.

Sadly, many homeowners in the Greater Ottawa area are not familiar with how much their insurance will cover when their roof has been damaged. Loopholes in any insurance policy can make it to where only certain types of damage are covered. And it is these loopholes that often leave homeowners in a difficult situation.

How Much Will Your Insurance Pay On Roof
Damage To Your Greely, ON Home?

Your Insurance Policy

Home insurance policies have various components that will dictate what your insurance covers related to roof damage and what it will not. Here are some of the more common types seen:

1. Building Insurance

Within your home insurance policy may be the building insurance component. This component will cover your home’s actual structure, including the roof.

2. Contents Insurance

This component ensures the contents inside your home are safe. Whether you have a lot of collectibles, high-end electronics, and furniture, should your home become damaged and the contents be beyond salvage, this policy kicks in to cover replacement.

3. Non-Standard Building Insurance

Most people are unaware of this type of insurance simply because it is not the standard. This type of insurance is for those with a unique home, such as a building constructed from logs, a home with a specialized roof, or the like.

4. Holiday Home Insurance,

This type of insurance is for those with an unused holiday home year-round. It is meant to offer protection to a home that is, for the most part, empty throughout the year.

There are several other types of home insurance out there, including tenant and landlord insurance, however, for homeowners, the top two listed components are considered standard.

Can you have building insurance without the contents insurance? There may be unique situations in which the person does not insure the contents of their home, just the building, and vice versa.

However, if you are paying a mortgage, you will find that your home insurance policy will include the building and contents portions, as most mortgage holders require the homeowner to have it.

The Reasoning Behind The Damage

Just because you have building insurance on your home does not immediately mean your roof damage will be covered by insurance. For example, if your roof were to be damaged due to negligence, your insurance provider can deny the claim.

So, what is the damage that insurance companies will cover? Insurance policies often cover anything related to Mother Nature, minus flooding. For example, if your roof was damaged by hail and wind, your policy will likely cover the expense of replacing the roof.

How Much Will You Pay?

While you have an insurance policy covering insurance restoration, you will still need to pay some out-of-pocket expenses. This is your deductible. The amount of your deductible depends on the insurance policy.

Some have a flat deductible of $1000 or $500, regardless of the roof replacement cost. Other policies may have a percentage of the total cost that the homeowner must pay.

Your insurance policy should list your deductible amounts so you can determine the amount.

What Is Insurance Restoration, And How Does It Benefit You

Getting a claim started and approved is one of the biggest pet peeves of those trying to get their home insurance to pay for their roof damage. That is where insurance restoration professionals can rescue you!

Companies that provide insurance restoration services are trained to handle insurance companies and the many documents they need to approve a claim. Instead of dealing with this on your own, you have a team working for you to get the claim approved and the work completed.

An insurance restoration company will document the damage in clear and concise ways that will be given to the insurance adjuster and agency. If any questions arise, these will be answered to ensure your claim has merit and is approved.

After approval, the insurance restoration company will discuss roofing options and start the work.

Working with a roofer who is also a pro regarding the insurance claim process can shorten the time you are waiting for a new roof and remove stress from your shoulders!

Get Your Free Estimate For Insurance
Restoration In Greely, ON

If your Greely, ON roof is damaged and needs a replacement, our insurance restoration team is ready to work for you. Here at Firon Roofing, we have worked with various insurance agencies, and we know the process forward and backward.

Call us today at 613-821-6222 for your free estimate!