Majority of insurance policies will provide coverage for roof damage if it occurred due to vandalism, theft, fire, wind, hail or other unforeseen events or acts of God. Most structures have composition shingle roofs, flat rolled roofs, or tile roofs. Some of the older structures may have wood shingle roofs. In the event of roof damage, it is important to cover the affected area in order to prevent potential rainwater leaks in to the structure. The roof surface area is measured by Squares. One Square is 100 Square Feet.
Most insurance companies will pay for temporary covering the roof to prevent additional damage to the structure.
In some cases, the insurance companies may offer to pay for partial repairs of the roof damage (only the damaged section). However, the property owner may have a difficulty to find a licensed roofer who will conduct a partial repair of the roof damage and give a warranty for his work. This is one of the most common issues that property owners may have when they file a roof damage related claim with their insurance company. Additionally, some of the old roofs may require additional repairs based on the city’s most resent building code updates. Most policies will have additional coverage for building code updates (or Ordnance and Law Coverage). Some roofs are very hard to access due to the slope degree or due to the height. A qualified licensed roofer may need to be contacted (C-39 License; Roofing Contractor; “California Code of Regulations Title 16, Division 8, Article 3. Classifications A roofing contractor installs products and repairs surfaces that seal, waterproof and weatherproof structures. This work is performed to prevent water or its derivatives, compounds or solids from penetrating such protection and gaining access to material or space beyond. In the course of this work, the contractor examines and/or prepares surfaces and uses the following material: asphaltum, pitch, tar, felt, glass fabric, urethane foam, metal roofing systems, flax, shakes, shingles, roof tile, slate or any other roofing, waterproofing, weatherproofing or membrane material(s) or a combination thereof.” http://www.cslb.ca.gov )
Each roof damage claim is unique and it requires proper assessment by a qualified professional.
A public adjuster may assist the policyholder in dealing with their insurance company and any other parties who are involved in the claims process and the repairs.
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