The Insurance Debacle and the Age of Your Roof
Your roof is a major investment that plays a critical role in your business, and you put considerable effort into keeping it in tip-top shape, which includes insuring it. Florida’s weather is well known for being hard on roofing, which makes regularly scheduled maintenance that much more important. It’s also important to know that the insurance company that covers your commercial roof is in the business of keeping its own profits high, which translates to keeping settlements low – and roof age is often the weapon of choice. Turn to a premier Florida roofing company for the help you’re looking for.
Your Roof’s Age
If you have a roofing claim, you can expect your insurance provider to balk, and a common refrain is that the roof is outside of the 15-year window they may have arbitrarily set. The fact is that the warranty for most commercial roofs is a full 20 years, which is the generally accepted lifespan of shingle roofs. Many other kinds of roofs, however, can hold up well for considerably longer when well maintained.
Denied Claims
Insurance companies are very skilled at finding legal loopholes, and if they determine that any part of your roof is older than 15 years, it can mean a denial of coverage. For example, if you’ve replaced the outer layer of your roof within the last 15 years but the inner layers are older, that may be all the insurance company needs to get out of covering your losses.
Increased Premiums
Just to make your insurance coverage less effective and more costly, insurance companies tend to increase premiums in response to roofing claims. They can also discontinue coverage when a roof isn’t completely replaced according to their prescribed timeline. In other words, working with your insurance company can feel like an uphill battle, but seasoned roofing pros are standing by to help.
Filing an Accurate Roofing Claim
When it comes to filing a roofing claim, it’s a good idea to proceed with the backup of a trusted roofing company that has the experience and skill to make a solid case for coverage. One of the most important steps you can take is to file an accurate roofing claim, which includes all the following elements:
- Documenting all damage – regularly scheduled professional maintenance is the best way to stay on top of potential damage
- Filing your roofing claim as soon as you identify an issue and making the repairs necessary to keep your roof well maintained as you go
- Following up on your claim and demonstrating that you aren’t interested in allowing it to slip through the cracks, to be ignored, or to be denied out of hand
Turn to a Well-Respected Florida Commercial Roofing Company for the Help You Need
A damaged roof can harm your business and your bottom line. The skilled Florida roofing professionals at Roofing Concepts Unlimited have the experience to help you keep your commercial roof well maintained and the professional know-how to help you bring a strong insurance claim. Learn more by reaching out and contacting us online or calling 954-786-9350 today.