2019 has zipped along to the end in the blink of an eye and the holidays are upon us. Amidst the hustle and bustle of celebration, this is the season to pause and reflect on this past year. We consider what went well and look for opportunities for growth. With that in mind, here’s a look at 2019 with Royal Crown Roofing!
This year, it seemed like the temperatures wouldn’t stop rising in Houston. With that in mind, our roofing contractors know that the materials used on your roof are important to keep you comfortable indoors. There are a number of options available including shingles, metal, and tile.
Unfortunately, Texas had its share of extreme weather and major flooding throughout 2019. There are a number of precautions for homeowners to take when bad weather is predicted, especially to protect against storm damage to your roof.
Pro Tip: During hurricane season, keep your roof and gutters maintained so that you can protect against the damages of high winds and heavy rain.
Insurance Claim Guidance
We’ve learned that many homeowners don’t understand what type of damages are actually covered by their insurance company. If you need to file a claim with your insurance, make sure you know your policy in detail.
The holiday season and the end of another year are always busy. As you gather with your family and friends, we wish you all the love and thank you for connecting with us this year. Royal Crown Roofing is dedicated to improving ourselves in 2020, and we hope to pass that hope for improvement on to our customers!
Between the paperwork and red tape, filing a claim with your insurance company for a roof repair can be confusing. It’s important for you to stay informed about the care of your home and ask questions about your insurance coverage, especially if you’re unsure how your insurance plan will affect your roof.
Leave your stress at the door. Our experts are qualified as GAF Master Elite Roofing Contractors to assist in your roof repair or replacement. The insurance process can be frustrating and complicated, but we’re here to help. Get the answers you need to the most common questions about insurance and roof repair.
Who should I contact first if my roof is damaged?
Does homeowner’s insurance cover roof damage?
How much will insurance pay for roof repair?
Will my insurance company cover a full replacement?
If I don’t have insurance coverage, can I still get my roof repaired?
1) Who should I contact first if my roof is damaged?
If you notice a missing shingle or leaking ceiling, don’t wait to contact a representative at Royal Crown Roofing to schedule a free inspection. Small defects left untreated can cause more damage over time, which can directly affect your insurance coverage. After your roof inspection, our team will set up a temporary repair and assist you in the insurance claim process.
2) Does homeowners insurance cover roof damage?
Yes and no. The dwelling coverage section in your insurance policy involves the protection of your home structure, which would include your roof. Most homeowners’ insurance protects against a limited amount of perils such as fire, heavy winds, and hail damage. However, certain exclusions against windstorms or hail might exist in your policy and fail to cover your emergency roof repair. Insurance carriers consider it a homeowner’s responsibility to care for their roof. That being said, damages from a leaky roof or general wear and tear are normally not covered by homeowners’ insurance.
Pro Tip: Read your insurance policy to check for any exclusions that would affect your roof repair. Supplemental insurance might be required if the damage extends beyond your coverage limit.
3) How much will insurance pay for roof repair?
Fortunately, there is no cap for the amount of money insurance will pay if your roof is under 20 years old. However, the amount of reimbursement will be affected by your repair estimate and insurance adjuster’s opinion. Make sure your roof inspection includes a detailed list of repair costs to give your insurance an accurate estimate. If your insurance company fails to provide a fair estimate, be sure to ask for a reconsideration before you start repairing your roof.
4) Will my insurance company cover a full replacement?
If your roof is older than 20 years old, your insurance company will likely consider the roof too old to qualify for reimbursement. However, if your roof is within its recommended lifespan and the estimated loss is greater than its value, an insurance company will approve a full roof replacement. Depending on your policy, you might have to pay a deductible before your insurance company will pay the remaining replacement cost.
5) If I don’t have insurance coverage, can I still get my roof repaired?
Of course! The cost will vary depending on the type of roof repair, but our roofing contractors strive to provide high-quality service with competitive pricing. If you’re unable to pay upfront, we provide financing through nationally-accredited, Hearth. Whether you want to finance a portion or the full amount of your project, Hearth offers a variety of payment plans for your convenience.
The Benefit of a Roof Warranty
Unlike many roofing companies, our team is proud to offer a variety of workmanship warranties for the longevity of your roof. All of our roofing contractors are certified with GAF Master Elite Roofing to extend a lifetime warranty that is protected by GAF, the leaders in professional roof quality. If you’ve had your roof replaced by one of our contractors, you can rest knowing that any future damages will be handled efficiently.
The weather alerts are scrolling across your phone and people are scrambling to the grocery store to stock up on food. It’s important to know how to prepare your home for severe weather to prevent unnecessary damage. When the storm hits, are you and your family going to be ready?
According to a recent survey from an insurance company, 75% of homeowners don’t prepare their homes for incoming storms. Unfortunately, neglecting the maintenance of your home can result in costly damages and unnecessary repairs. If severe weather is headed your way, be sure to keep this storm preparation checklist close at hand.
Maintain your roof
Trim your trees
Move outdoor furniture inside
Clean your gutters
Assemble an emergency kit
1) Maintain your roof
Have you checked your roof for leaks? Are there any shingles missing? The roof of your home is one of the most protective features of your home. If a natural disaster or heavy rainstorm is headed your way, inspect your roof for any damages or weak points.
2) Trim your trees
When a storm is headed your way, don’t forget to look up. Heavy rain and wind can break tree limbs and send falling debris to your home. In the days leading up to the storm, trim your trees and remove any dead plants from the yard.
Pro Tip: Unfortunately, dead trees or plants can cause just as much harm since they’re more susceptible to being pulled out by their roots and damaging your lawn
3) Move outdoor furniture inside
Between the chance of hailstorms or strong wind, your belongings outside of your home will undoubtedly be affected. Be sure to move all outdoor furniture, playground toys, and loose equipment inside your garage or shed. It might require a little effort to move everything, but the members of your family will be thankful their personal items are kept safe.
4) Clean your gutters
The gutter system on your home was designed to minimize flooding and to protect your roof. However, if it’s clogged with falling leaves and branches, it will hardly have a chance to work correctly. To protect your home, clean your gutters and double-check that rainwater will be able to flow freely.
5) Assemble an emergency kit
If the electricity was turned off and the roads were closed, would your family be prepared to stay in your home? No matter how severe the storm is, it’s important to have a basic emergency kit to ensure the safety of both your home and family. In addition to an emergency supply of food, we recommend gathering a flashlight, batteries, candles, and any other items that will help in the time of a power outage.
Stay Alert and Plan Ahead
If you know a storm is headed your way, it’s a good idea to make sure you and your family will be safe in your home. It’s important to heed warnings and severe weather alerts from your local meteorologist. If you’re asked to evacuate or take shelter outside of your home, preparing your house ahead of time will help prevent damages or future repairs.
Do you need to get your house ready for an incoming storm? Connect with one of our technicians to schedule a service appointment!