Being a homeowner comes with a lot of responsibility. Although there are obvious benefits to owning your own home, such as the privacy, the ability to decorate, remodel, and landscape as you choose, and investing in something that will hopefully give you a return, there are some aspects of owning a home that aren’t quite so pleasant. If your toilet clogs and overflows late at night, for example, you are responsible to either pay a large sum to a professional plumber to come and clean up the mess and fix the problem or to simply grit your teeth, plug your nose, and get to work yourself. As a new homeowner, you’ll probably face many different situations that have you scratching your head and scouring the Internet for answers. If your roof is damaged in a storm, for example, it’s important to know what options are available for you as a homeowner. Although it’s probably wise to call on a reliable roofing company such as Maciel Roofing Construction, Inc. it may also be helpful to explore other options first.
Contact Your Insurance Company
Home repairs can be expensive, particularly if the damage was extensive. If your roof received significant damage during a storm, it’s wise to contact the insurance company who insures your home. Most homeowner’s insurance policies provide coverage for damage that occurs to the home due to storms. However, don’t simply assume that all damages will be covered. It’s important to call your insurance agent and discuss the details of your policy, since each homeowner’s insurance policy has distinct, specific limits of coverage. While most policies do provide coverage for damages from weather, there is almost always a deductible applied first. For example, if your deductible is $1000, then you have to be sure the damages will cost more than $1000 to repair before your insurance will even pay anything for the repair costs. You are responsible for the amount of the deductible before your insurance company will pay the rest of the costs for repairs. Also, be aware that your insurance premium may increase if you make a claim on your policy. Discuss the details and the implications of filing a claim with your insurance agent before you make a decision.
Finding a Roofing Contractor
Once you have determined whether your insurance will pay for the damages or not, you will be able to look for a roofing contractor to do the job. If you are planning to file an insurance claim, it’s important to make sure that your insurance company approves of the contractor that you select so that there are no problems with the billing and payment. You may want to simply select a contractor from among approved contractors who already have an agreement with your specific insurance company. Ask your insurance agent for a list of preferred providers in your area. If your insurance isn’t going to foot the bill, you’ll want to find an honest and experienced contractor in your area, such as Maciel Roofing Construction, Inc.