What Types Of Roof Damage Does Insurance Replacement &
Repair Claims Cover For Your Naperville, IL, Property?
Can Your Local Exterior Repair Company
Help With Your Roof Insurance Claim?
It’s been a frustrating week. The recent hailstorm was terrible, and you’re trying to navigate roof insurance claims for your Naperville, IL, property to repair the damage it left behind.
You don’t want to call your insurance company before knowing whether or not they’ll cover the damage. The issue is, determining what your insurance will cover is a nightmare.
You’re caught in a tough spot, but don’t worry, Apex Exteriors is here to help. We’ve helped homeowners throughout the Chicagoland area with insurance claims for decades. We can help you navigate your roof insurance claim.
What Does Your Property
Insurance Cover?
Given their complex wording, we know insurance policies can be hard to understand. Still, property owners should know what their insurer will take care of, so we’ve compiled a list of what you can expect your insurance to cover.
Weather-Related Damage
Weather-related issues are the most common type of damage that happens to residential and business properties. The Chicago climate changes constantly throughout the year, so home and business owners can expect damage caused by:
- Hail
- Lightning
- Snow Storms
An insurance policy will typically cover your roof after severe weather damage.
Water Damage
Water damage refers to issues caused by unexpected moisture infiltration. Roof insurance claims typically cover sudden storms and plumbing leaks. Insurance also compensates for interior water damage, like ruined furniture.
Fire Damage
Insurance policies often cover fire damage. However, while a policy may cover house and structural fires (including fires caused by lightning), it may not cover wildfires. Check with your insurer to see whether they’ll accept a claim for wildfire damages.
Structural And Flashing Damage
Your policy should cover structural damage from objects like trees or branches falling on your roof. Insurance also often covers damage from heavy snow accumulation, including sudden roof collapses.
Hail and windstorms can dent and peel away flashing, which is the protective metal around chimneys and vents. Water can seep into these small, unprotected crevices and damage your roof and the rest of your home.
Your coverage may change depending on your deductible and limitations. Ask your insurer about the extent of your coverage.
Should You Call Your Local
Exterior Contractor First?
You may have heard you should never call your insurance company before your local contractor. However, the truth is more complicated. Here are the steps you should take when you experience exterior property damage:
First, assess the damage to your roof and other property. Take photos and document the damage you see. You should also review your policy coverage and deductible.
Next, call your insurance company to report the damage. Make sure you provide the photos and documentation.
Your third step is to call your insurer, who will send an adjuster to provide a quote. Once you’ve spoken to the adjuster, contact your local exterior contractor and have them look at your roof.
They’ll give you an estimate, which will help you determine whether the one from the insurance company is fair. Once you’ve gotten a fair assessment and are happy with your estimate, the contractor can get to work.
Choose A Roofing Company That
Works With Insurance Claims
Working with Apex Exteriors means working with a company that can help you navigate the often frustrating insurance claims process. We’ve worked within the Chicagoland area for over 30 years and understand how property insurance works.
Our expert team will inspect your home or business to assess the damage. Regardless of what your insurer says, we’ll give you a fair quote.
Are you ready to begin with your roofing insurance claim? Call us at 847-531-8960 or visit us online to schedule your free insurance damage claim appointment!
