Does My Homeowners Insurance Cover a Roof Replacement? Learn More From the Columbia, MO Roofing Experts at Chavez Enterprises!

Roof Replacements Can Be Costly in Columbia, MO, But Filing an Insurance Claim With Chavez Enterprises Could Help You Receive Vital Coverage

Your homeowners insurance company should be there to help if your mid-Missouri roof is damaged to the point of needing replacement. However, not all insurance policies cover roofing, and those that do typically have specific conditions that must be met before a claim is accepted. Understanding your homeowners insurance and choosing a trusted contractor for your roof replacement are your top two priorities following severe roof damage to your home in Columbia, MO. You must know what types of damage are included in your insurance policy, what kind of evidence to gather, and the best construction team for replacing your roof. Get the full guide from the roofing professionals at Chavez Enterprises!

What kind of roof damage is covered with homeowners insurance in mid-Missouri?

The financial support you receive for a roof replacement will mostly depend on the “covered perils” included under your homeowners insurance policy. Covered perils are the kinds of damages that will be supported by your insurance provider. This can range from tornado disasters to house fires, and these plans can vary in benefits. Oftentimes, paying higher premiums and deductibles before the policy kicks in will come with more coverage options. Make sure you review the terms and know when it might be time to budget for a roofing service out-of-pocket. Regardless of the damages, our roof contractors are willing to examine the property and determine if a claim is worth filing in Columbia, MO.

Reasons your homeowners insurance might not cover your Columbia, MO roof replacement 

Minor damage to roofing

The first thing insurance companies will focus on is the extent of damage to your mid-Missouri roofing, and whether or not it warrants a covered roof replacement. If a storm has passed and only caused a few shingles to curl or crack, some homeowners insurance policies may not consider the wreckage to be enough. On the other hand, if your roofing has been stripped of multiple shingles, hail has left countless dents, or the foundation underneath is breached, an insurance provider is more likely to approve your central Missouri roofing claim. 

An aging roof in mid-Missouri 

In some cases, a residential roof is damaged from years of wear and tear, especially if it hasn’t been replaced in 15 years or longer. Since these problems are more preventable with consistent roofing maintenance and repair, homeowners insurance companies in the Columbia, MO area are less likely to accept your damage claim for an aged roof. Additionally, if your roofing was damaged in the past while under a different policy, you cannot get coverage from your new, current insurance provider. Homeowners insurance policies are more concerned with roofing catastrophes that have happened recently than slow deterioration from a lack of upkeep. 

Uncovered perils 

Every homeowners insurance policy is a little bit different. While some providers may be more willing to offer coverage for thunderstorm damage, others may have stricter conditions on what qualifies for an insured roof replacement. Before you decide on an insurance company and the policy they’re offering, you should make sure the covered perils are favorable for your Columbia, MO home. For example, if you know your specific area is at a higher risk of tornadoes causing damage, you definitely want coverage for wind damage. 

Your roof insurance claim needs more evidence 

The last common reason insurance companies have for denying claims is a lack of evidence from the homeowner, their roofer, and the adjuster visiting your property in central Missouri. If the photos and descriptions don’t provide enough information, or the evidence only presents minor damage, you might be sent back to square one. This won’t be a problem when you trust Chavez Enterprises to guide you through your roofing insurance claim in Columbia, MO! Learn more about our journey from inspection to reporting to replacement and see what makes us the community’s go-to roofing service.

How to File the Perfect Roofing Claim With the Mid-Missouri Insurance Specialists at Chavez Enterprises 

Let our roofing experts inspect your central Missouri roof & document evidence

Chavez Enterprises takes away the hassle of speaking with your insurance company by taking care of the steps for you! First, our mid-MO roofing contractors will show up at your home to perform a complete inspection of the roof, checking the surface and layers underneath for significant damage. As an experienced roofing company, we know where to look for the most impacted areas and record them in a way that effectively communicates your roofing needs to the insurance company. From the moment your inspection is finished, we’ll also handle all the paperwork involved with filing a claim! 

Chavez Enterprises will quickly replace your roof in mid-MO after the claim is approved

As soon as we get the confirmation that your roofing insurance claim has been accepted, our roof replacement team will waste no time getting to your home in Columbia, MO. You can choose from hundreds of shingle colors and materials, and Chavez Enterprises will be on site with the tools ready. We pride ourselves on working efficiently, and many of our central Missouri roof replacements are finished within one day. Once the roof is finished, we’ll clean up around your lawn and gutters before leaving you with your new and improved home exterior!

Maintain your mid-Missouri roof properly & prevent a rise in premiums from your insurance company

The care for your roof doesn’t just stop at replacement. If you want your Columbia, MO roof to be dependable year-round, you need consistent maintenance from a local roofer. Proper maintenance can also build trust with your insurance provider and save you from increasing premiums; all it takes is one or two expert roof inspections a year from Chavez Enterprises. With regular checkups, you can save money on major repair projects in the future and keep your residential roof looking freshly installed! 

Start the Claims Process & Schedule Your Roof Inspection in Columbia, MO By Reaching Out to Chavez Enterprises Today

The Chavez Enterprises team is ready to improve your mid-Missouri roof at any stage, regardless of if we’re filling out a report for your roofing claim or replacing the shingles. Whether we’re serving from our base location in Jefferson City, MO or building new roofs in Columbia, MO, we prioritize homeowners’ safety and satisfaction. Contact us and file your roof insurance claim!