Getting a roof health report before spring has far-reaching consequences here in Colorado. When a big storm hits, the insurance adjuster can compare the information from before and after, which makes processing your claim easier and faster.
When should I get a roof inspection?
Homeowners in Colorado need to get their roofs inspected each year before hail season starts in April. After that, get inspections as needed following each major storm.
Benefits of a Roof Inspection
A roof health report from before hail damage is a big deal to insurance companies. Often, it’s the difference between approving and denying damage claims. In addition, an inspection gives homeowners important information about the health of their roofs.
- Shingle damage
- Deteriorating materials
- Gutter and downspout health
- Damage from leaks, mold, and rot
- Vent health
While insurance is there to protect you from financial loss, they also expect you to mitigate damage as much as possible. So, the earlier you detect problems, the sooner you can fix them.
Actual Cash Value
The annual inspection gives you an idea of your roof’s lifespan. Knowing the current condition helps you budget and decide when to replace the roof. If your roof is in poor shape, premiums are higher, and reimbursements are lower. That’s because homeowner’s insurance generally provides actual cash value (ACV) for roof coverage. So, they consider depreciation and only pay what the roof is worth at the time of the claim. For example, a new roof receives a much higher payout for damages than a dilapidated one.
Replacement Coverage Costs
Replacement costs are almost always higher than the AVC coverage. However, some insurance companies allow you to, and an endorsement where you pay a higher premium which covers the total replacement value. The higher monthly payment may be worth it, considering the out-of-pocket existences associated with AVC coverage.
Getting a Roof Health Report Before Spring
In Colorado, it’s not a question of if it will hail, but when. Hail is inevitable out here. And after a big storm, everyone is scrambling for insurance claims. So, having a roof health report before spring puts your claim at an advantage for faster, easier processing. At Just Roofs and Gutters, we have years of experience in the insurance industry, and we’ll gladly walk you through the process every step of the way. So schedule an inspection online today.
