How do I make an insurance claim on my roof?

How does roof damage coverage work?

Coverage for roof damage varies depending on the nature of the damage. Here are the main guarantees offered by insurers.

The water damage guarantee

This guarantee allows you to benefit from coverage in the event that water infiltrates your building from the roof. In this case, the insurer’s intervention is limited to the repair of interior damage caused by water infiltration.

In other words, only damages such as damaged paint, peeling wallpaper, stained floors, deteriorated woodwork or collapsed ceilings are covered. No repairs to the cause of the infiltration are covered. You must personally take care of the roof repair.

Natural disaster coverage

If the damage to your roof was caused by a natural disaster, including storms, high winds or other unusual weather conditions, you will be compensated for its restoration. There are even some contracts that include an outside clearing and relocation fee.

In the case of natural disasters, reimbursement is made for the repair of the roof, but also for the interior damage to the building or house.

Exclusions to be taken into account

There are certain exceptions that exclude coverage for repairs to both roofing and property inside the home. Here are a few cases where this exception applies:

• In the case of water infiltration through the roof, the repair of the cause of the leak is not covered by insurance;
• Insurers also refuse to cover the cost if the damage is due to an old leak that you have not repaired;
• If your roof and gutters are not maintained, the insurer may also refuse to pay for repairs to leaks. The elements to be maintained concern the roof itself, the gutters, the gutters, the edges, the ridges, the flashings and the chimney surrounds.

Repair and cleaning of the interior of the house

You will also need to call in specialists to repair any interior damage caused by your roofing problems. This can include furniture, walls, ceiling and any other deteriorated elements. Also, hire a cleaning service that will restore your home after the work. Keep all invoices and receipts for all expenses. You will need it for your claim with your insurer.

Creation of a list of damaged and irreparable assets

In the case where goods could not be repaired, you must list them (appliances, furniture…). If possible, bring their purchase invoice with you to make it easier for insurers to reimburse you. If you have a storage room, keep these items in a safe place until you receive compensation, in case your insurer asks for physical evidence.

Ongoing collaboration with your insurer

The process of validating your claim can be long and tedious, but the steps are worth it. Be available to your insurer at all times in case they need supporting documentation or a site visit. Make it easy for them to collect all invoices and receipts for damaged or repaired goods beforehand.

After evaluation of your case, you should receive compensation equivalent to the cost of the repairs you have already incurred. In the case of non-repairable goods, your insurer will also reimburse you for their price after analyzing their age.

Trust us for all your roofing problems

At Toiture Couvreur Saint-Sauveur, we are ready to do all the work related to your roofing problems. Whether it’s a waterproofing problem or major damage caused by a natural disaster, we are able to repair the roof of your residential, commercial, industrial or institutional building.

Our work also includes any renovation or new installation of roofing. In addition, our team works on all types of roofs, from flat roofs to metal roofs to shingle roofs.

For maintenance and periodic inspection of your roof, we are at your complete disposal. We examine the possible leaks and we proceed to the snow removal of your roof. In case of a problem requiring an emergency repair, our team will be able to intervene in the whole Saint-Sauveur area in the shortest possible time.