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  • Douglas Crolley

Columbia Roofer Tells All: How an Insurance Company Can Cover Your Roof Renovation

Updated: Aug 18, 2021

How an Insurance Company Can Cover Your Roof Renovation

Like any home improvement venture, renovating your roof can be costly. Luckily, our roofing company is based near Columbia, SC for your convenience. We handle everything from roof repairs to replacements and can get your Columbia roof back in top shape. If you are looking for a roofer near Columbia, SC, to help you with your renovation, contact CSS Roofing, a roofing company in Columbia, SC, right away.

Insurance Plays an Important Role

The question remains whether or not your insurance will cover the cost of your roof renovation. The short answer is: it might. There are certain instances in which your insurance will cover the repairs made to your roof by our roofing company in Columbia, SC, and certain instances where you will be left to fend for yourself in terms of cost.

Your roof is a vital part of your home, so should any accidental damage occur that compromises its integrity, your insurance will at least partially reimburse you. This damage is including, but not limited to:

  • Fire

  • Wind

  • Hail

  • Tree or other debris falling on it

If you believe any of these have caused damage and you are in need of repairs to your roof, contact our roofing company in Columbia, SC, and we will send someone to inspect it and repair as needed.

How Damage is Classified by a Roofing Company in Columbia, SC

The important thing to remember when wondering whether or not the damage to your Columbia roof will be covered is if the damage could be classified as general wear and tear from typical SC weather and not from large, damaging occurrences. For instance, a larger accident where there is a hole in your roof will most likely be covered by your insurance. The damage is extensive and clearly not a result of normal wear. If this occurs, contact a roofer near Columbia, SC, for help repairing your roof.

However, if only a few shingles are damaged, your insurance company may label that under typical wear and tear and repairs made by any roofer near Columbia, SC, to your roof would not be covered. You should still contact a roofing company in Columbia, SC, to make the repairs, but know that you would have to pay for it yourself. Roofs have a shelf life of anywhere between 20 and 30 years. Over that time, they wear down gradually and the insurance company can claim that minor damage is simply a result of natural wear. If your roof is over 20 years old, you may want to look into getting it replaced.

Note that in the instance that there is water damage to your Columbia roof, any repairs that may result might not be covered by your insurance company. There is a chance you could be reimbursed if the damage extends beyond your roof to items inside your home, but generally, water damage to a roof is considered general wear and will not be covered.

Remember that you will have to pay your deductible before any coverage by your insurance kicks in. However, you should not wait until that happens to contact a roofer near Columbia, SC, to repair your roof.

Contact CSS Roofing for Columbia Roof Repair Today

If you need any repairs or renovations done, contact the roofer near Columbia, SC, from CSS Roofing and we will be glad to help you with the Columbia roof repair. Call our office at 803-851-0630 to schedule a consultation with an experienced and friendly member of our team.

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