Understanding Homeowners Insurance Claim Deadlines for Roof Damage
If you own a home in Colorado, you’re probably familiar with hailstorms. Every year from April to September, hailstorms occur, often leaving significant property damage behind. One of the most distressing things for a homeowner to discover is a hail damaged roof. Whether your roof springs a sudden leak after a storm, or gradual deterioration begins, a compromised roof poses a serious threat to your home and your wallet. Luckily, that’s where homeowners’ insurance comes in. Homeowners insurance typically covers roof repairs or full replacements when hail damage occurs. However, there is a crucial detail many homeowners overlook: Homeowners insurance claims for roof damage have deadlines. Missing your deadline can leave you responsible for the out-of-pocket cost of a roof repair or replacement, even if you still have coverage.
Do Homeowners Insurance Claims Expire? Understanding Deadlines:
Most homeowners insurance companies require you to complete your roofing project within 1-2 years after the date of loss. The date of loss is the date that the damage occurs, not the date that you file your claim. What does that mean? For example, a hailstorm happens in August, but you wait until February to file a claim. Depending on your policy, you may only have 6 months left to complete your roofing project.
Will Your Homeowners Insurance Claim for Roof Damage Expire Soon? Here’s What to do:
- Read your policy carefully to understand important deadlines.
- Contact a reputable roofing contractor for a full evaluation of your roof.
- Reach out to your homeowners insurance agent. Depending on your policy, you may be able to request an extension of your claim.
Don’t Wait Until It’s Too Late! The Risks of Letting Your Homeowners Insurance Claim Expire:
Many Colorado homeowners prefer to wait until storm season has passed to take care of their hail damaged roofs. By doing so, they can sometimes avoid the need to file multiple insurance claims within the same year. This may seem like a good idea, but there are some drawbacks to consider. Here’s what can happen if you don’t get your roof replaced within 1-2 years after the date of loss:
- The risk of further damage: Waiting too long to take care of roof damage is risky because roof damage poses a significant threat to your home’s structural integrity. Some roof damage may appear harmless on the surface, but even the smallest problems can lead to major roof leaks, structural damage, and can result in hefty repair bills. Hail damage leads to rapid roof deterioration and is notorious for causing premature roof failure, leaks, and interior water damage.
- Out of pocket costs: If you allow your homeowners insurance claim to expire, you will be responsible for the cost of repairing or replacing your roof. If the damage becomes worse over time, these costs will increase.
- Loss of coverage: Your insurance company may decide not to renew your policy or restrict coverage if your roof remains in disrepair. This leaves you financially responsible for any future damages.
Rampart Roofing, Inc.: Trusted Storm Damage Restoration Experts
At Rampart Roofing, Inc., we understand the stress that roof damage can cause. We’re committed to helping homeowners navigate the insurance claim process.
Here’s how we can help you:
- Free, Comprehensive Roof Inspections: Our experienced professionals can provide a comprehensive, no-obligation, inspection to assess the condition of your roof and determine the best course of action.
- Insurance Claim Assistance: We’re storm damage experts! Our team is dedicated to assisting you throughout the claims process. We’re here to answer any questions you may have.
- Top-Quality Roofing: Our team uses top-quality materials and expert craftsmanship to restore your roof. Every new roof comes with a 5-year Pledge of Endurance workmanship warranty.
Don’t wait until it’s too late! Remember: By acting quickly and understanding your insurance deadlines, you can ensure your roof is covered by your homeowners insurance. Does your roof have storm damage? Give us a call at (719) 487-7663 or contact us online today for a free, no-obligation roof inspection.