When was the last time you had a candid conversation with your homes insurance agent? As a homeowner, you should understand what is covered and what is not, and the steps you can take to reduce your premiums. No one fancies being left out in the cold when a disaster hits! As a Moraga Roofer we’ve seen countless homeowners have no clue what the policy they are paying for really covers so get your facts accurate now with your agent and ask them these following questions:
- Does my policy have replacement coverage or just market value?
Replacement coverage includes repairs or replacement of your whole house, including your roof with a Moraga Roofing company. Market value is what someone would pay to purchase your property in the present condition or state its in. - What kind of damages does your 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 a Kenosha roofing repair service out of pocket for any storm damages. - How long is the time period to make 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 a Moraga Roof Repair specialist. - Are there any discounts available?
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 can I 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.
CALL ROOF RIGHT ROOFING TODAY AT (925) 979-9690
Whether you are looking to replace or repair your existing roof. We install only the highest quality materials in the roofing industry. We have become one of the greatest roofing contractors in the Bay Area because we stand above the others with our attention to detail and quality workmanship.