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Do You Know What You Insurance Policy Covers?

Do You Know What You Insurance Policy Covers?

Do you know what your homeowner’s insurance policy covers and what does not?

If not, we suggest you have a straightforward discussion with your agent ASAP so that you can avoid extra stress when it comes time to repair or replace your rooftop.

As a homeowner, you should know these details and the steps you can take to reduce your premiums. No one wants to be left out to dry when a disaster hits! As an Oakland Roofer, we see infinite homeowners have no idea what their policy includes, so if you want to save money get with your agent and ask them these questions:

Does my policy have replacement coverage or simply market value?

Replacement coverage includes repairs or replacement to your whole house while market value is what your property is worth in its present or current condition.

What type of damage does my policy cover?

Not all types of damage may be covered on your home. A standard policy will give you the assurance that your home, possessions, and liability are covered. But they may not cover things such as a natural disaster, particularly if you live in a high-risk area. At this point, you would be paying an Oakland Roofing Contractor out of your own pocket for any storm damages.

Are there any discounts obtainable?

You never know unless you ask right? Often times there are savings to be had when bundling so your best in saving some money is to ask how you can.

How long is my time period to report a major damage claim?

This is extremely important! If you miss this deadline you may not be qualified for coverage. Make sure that you know this time period before a disaster hits and you need an Oakland roof repair expert.

What can I do to lower my premiums?

Many policies have reductions for things like having a working smoke detector in each room of your house. An insurance company will generally set their policy prices on the possible risks they see. By staying proactive and taking preventative steps to avoid disasters you can help reduce your premium.


Whether your desire is to replace or repair your existing roof, we use the highest quality materials and have become a recognized roofing contractor on the west coast because we go above our competitors with impeccable attention to detail and top notch craftsmanship.

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