Trees add beauty and value to your property, but they can also pose a risk to your roof during high winds, heavy rain, or snowstorms. Falling branches or trees can cause extensive damage to your roof and home, leading to costly repairs. Fortunately, most homeowners’ insurance policies cover damage caused by trees. For help with tree roof damage, contact the experts at Incore in Farmington Hills, MI. Call us today at 866-685-0009!
Understand Your Policy Coverage
It’s essential to understand what your homeowner’s insurance policy covers before a disaster occurs. Most standard policies include coverage for tree roof damage caused by natural events, such as windstorms, hailstorms, and heavy snow. However, there may be exclusions or limits on coverage, such as damage caused by neglect, disease, or insects.
When filing a claim for tree roof damage, you will need to pay your deductible, which is the amount of money you are responsible for paying before your insurance company covers the remaining cost. Be sure to review your policy and understand your deductible to avoid any surprises when filing a claim.
Filing a Claim
After a severe weather event, it’s important to document the damage to your building with pictures and videos. Contact your insurance company immediately to file a claim, and they will send an adjuster to assess the damage.
The adjuster will try to determine the cause of the damage and provide an estimate for repairs. Be sure to ask questions and take notes during the inspection, and provide all necessary information and documentation to your insurance company to ensure a smooth and successful claim process.
Your roofing company can also help you throughout this process to make sure it goes smoothly.
While your insurance can help cover the cost of repairs, it’s always best to take preventative measures to avoid damage. Regular tree maintenance, such as pruning branches and removing trees that are too close to the home, can prevent damage. Additionally, installing impact-resistant roofing materials or reinforcement systems, such as hurricane straps, can help protect your roof from severe weather events.
Here at Incore in Farmington Hills, MI, we understand the stress and financial burden that roof damage can cause. Our experienced team of professionals can provide a comprehensive assessment of your roof and help you navigate the insurance claim process. Call us today at 866-685-0009 to learn more about how we can help you!