Understanding roofing insurance is vital, especially in Florida where storms and hurricanes are common. Any homeowner would want to ensure that their house and roof are adequately insured. However, you might be wondering if your insurance company can inspect your roof at any time. Keep reading to find out.
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Can My Insurance Company Inspect My Roof at Any Time?
Yes, your insurance company can inspect your roof at any time. However, they typically send out an insurance adjuster after you make an insurance claim. When you file a roof damage claim, the insurance adjuster will assess your roofing structure and verify your claims of damage.
Understanding a Roof Inspection
A roof inspection is an extensive assessment of the roofing structure. Your insurance company sends their inspector to your property to identify any problems affecting your roof’s structural stability and market value before determining the most appropriate way to fix any issues. The roofing inspector will evaluate several components, including the supporting framework, roofing materials, decking, gutters, and much more, during the roofing assessment.
The inspector will also look for significant weather-related damages like hail damage in your roofing structure. They’ll typically pay attention to any dark spots or ‘bruising’ on your roof’s shingles, especially where there are missing granules that expose the fiberglass or underlayment.
Types of Roofing Damages Your Insurance Company May Cover
The types of roofing damage your insurance company may cover will be determined by the terms of your policy and why your roofing structure requires replacing or repairing. Typically, an insurance policy covers accidental or sudden issues due to certain events like hail, wind, snow, or fire.
Insurance Cover for Partial Damage
Some incidents can damage your roofing structure and shorten its lifespan. Your insurance company might cover the entire roof replacement cost even if your roof is only partially damaged.
Things Not Covered By Your Insurance Company
You are responsible for maintaining your property. Therefore, insurance policies will never cover damages that arise due to poor maintenance. When you replace your roof after the lapse of its lifespan or have to repair it due to extreme neglect, you won’t receive compensation from your insurance company.
Ultimately, your insurance company can inspect your roof at any time although they usually do so when you make a claim after an incident.
As mentioned, it’s your responsibility to maintain and care for your roof. Your insurer won’t compensate you for damages due to negligence. The best way to execute preventive maintenance is to fix minor issues immediately after discovering them.
You can avoid significant roof damage by scheduling regular roofing maintenance and inspections with us. It can also help increase the life span of your roofing structure. If there is any unforeseen event that damages your roof, be sure to inform your insurance company as soon as possible.