If you own a house, you must obtain homeowner’s insurance. The trick is figuring out when and how to utilize it for roofing claims in Baton Rouge. You may be hesitant to use the services you’ve been paying for since it’s so perplexing. Or, perhaps you are under the impression that your insurance rates will go up the minute you file a claim, or your company will drop you.
You will not be penalized if you file an insurance claim for roof damage, but here are some things that you want to know before filing roofing claims in Baton Rouge.
Too Many Claims?
Every 10 years or so, it’s not uncommon for a homeowner to submit one or two claims. Someone who files a claim every year, on the other hand, will face higher premiums. After a while, they could even be dropped. The key is to avoid submitting claims for items that aren’t covered or that you can manage yourself.
How Much Damage?
Consider the risk and reward of filing a claim. You might be able to repair the damage for less than your deductible if the damage isn’t too severe. You also keep your risk profile low by not filing the claim. The best way to determine if a claim is necessary is to talk to a professional such as Pinnacle Exteriors Roofing.
How Much Is the Current Roof Worth?
With time, a roof will degrade. A roof that was rated for 20 years but is 15 years old isn’t worth as much now as it was first installed. Check to determine if you’re covered for Actual Cash Value, which only replaces the cost of the roof at the time it was damaged, or Replacement Cost Value, which will cover the cost of replacing the roof at today’s cost.
