It’s that time of the year again when homeowners across the state are closely watching the news for any signs of a brewing hurricane. During this time, it pays to review the hurricane provisions in your homeowners insurance, particularly about your roof replacement coverage. Familiarizing yourself with the ins and outs of your policy may not repair the damage you might incur, but it can make the process of getting help that much easier.
Let our insurance experts at Wood’s Roofing help you understand some common concepts when it comes to insurance coverage for hurricane damage.
The Standards
Homeowners insurance policies, by default, will cover four categories: your home including any costs for repairs from a roofing company; any other structure that you might have on your property like a shed or a detached deck; your personal belongings; and any living expenses you might need should the damage be serious enough to displace during repairs. It’s uncommon for insurance to cover 100% of your personal properties. They will often cap off at 70% but you can likely negotiate for better rates with your broker.
Prepare for the Deductible
Hurricane damage is usually covered however, places in prone areas such as Florida, might have a large deductible to balance out the costs. It pays to have some emergency funds to cover this deductible and get your repairs started immediately after a storm.
Hurricane Insurance Is Not Flood Insurance
Homeowners insurance will often cover roofing contractor costs for hurricane damage on your roof but this coverage doesn’t usually extend to floods so it’s best to make sure you understand how much it will cover and for what types of damage.
At Wood’s Roofing, we can help you with all the requirements you need to file for a hurricane damage insurance claim. Give us a call at (863) 225-0603 or fill out our contact form to schedule a consultation and get a free estimate today. We serve homeowners in Winter Haven and Lakeland, FL.
