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. 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 a Cherry Hill 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 Cherry Hill Roofing company. Market value is what someone would pay to purchase your property in the present condition or state it is 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 Cherry Hill roof repair expert.
- 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 GORALSKI CONSTRUCTION TODAY AT (856) 829-7266
Whether you are looking to replace or repair your existing roof. We install only the highest quality materials and have become one of the greatest roofing contractors on the east coast because we go above the competition with our thorough attention to detail and quality craftsmanship.