Minor roof damage can occur for various reasons, such as a windstorm ripping off a few shingles. Most home insurance policies in Granbury, TX, cover roof damage under specific conditions. However, there are important factors to consider before filing a claim.
Covered Perils
Home insurance policies typically cover damage caused by covered perils, such as fires or wind damage. However, they do not cover standard wear and tear or preventative maintenance. For instance, if shingles are cracking due to the roof’s age and you need a replacement, your policy may not cover the costs. Speak with an agent at All-Tex Insurance to determine whether your situation qualifies for a claim.
Deductible Considerations
Before filing a claim, compare the cost of repairs to your deductible. Minor roof repairs that cost only a few hundred dollars may be cheaper than your deductible. Review your policy to confirm your deductible amount, and request a free estimate from a roofing company to determine repair costs. This approach helps you decide whether filing a claim is the most cost-effective option.
Impact on Premiums
Filing multiple claims can lead to increases in your policy limits, monthly premiums, and deductibles. It’s important to ask an agent how filing a claim for roof damage might affect your premium. Many homeowners choose to reserve claims for significant expenses to avoid higher premiums in the future.
A professional at All-Tex Insurance can help you evaluate your options and determine the best course of action. Contact us today to discuss your needs. We’re currently serving the Granbury, TX, area.
