The insurance carrier then places a decreased value on a roof before damage has taken place.
How to get a free roof from insurance.
The roofing material is faulty so it is the manufacturer s fault.
A typical all perils homeowners insurance policy does cover your roof and the cost of replacing it if it gets damaged.
However these programs are often limited in funds and can take months before any money is paid to homeowners.
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.
There are many grants available for people who are experiencing financial troubles and have a roof in need of replacing.
Common reasons for denying a roofing insurance claim are.
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.
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.
There are a few ways roofing scams may be presented to homeowners.
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.
A roofer might offer to pay your deductible.
The roof wasn t maintained loose flashing or a cracked vent.
Your roofing contractor should be able to help you navigate your way through the roof insurance claims process.
If your roof is damaged take a set of after photos to document the damage and submit it to your insurance company.
And always consult with a public adjuster or your insurance adjuster if you are unsure about any step of the roof insurance claim process.
You should not have to pay for a roof inspection.
But usually you re covered only if the damage or.
Take photos of your roof so you have them on file in case of any damage.
The roof wasn t installed properly so it is the roofer s fault.
That s the good news.
This is the most common reason and the next reason is the second most used excuse.
A free roof probably sounds too good to be true and the truth is it is.
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.
Know that a roof insurance claim is a long process.
A roof insurance claim can feel like it is taking forever especially if the roof damage is impeding your ability to do business.
Single family housing repair loans and grants.
