Insurance, claims, damage assessment

A house is never safe from the vagaries of the weather. Roofing is one of the elements most often affected by natural disasters or extreme conditions. That’s why it’s important to take out specific insurance to ensure you’re reimbursed in the event of damage to your roof. Details in this article.

Home insurance to cover damage to your roof

To ensure that any damage to your roof is covered by an insurer, you need to take out home insurance. Most comprehensive home insurance policies cover damage such as water ingress or damage to your roof. However, check with your insurer beforehand to clarify which points are covered by home insurance.

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Reimbursement for roof damage varies according to the nature of the damage. In the case of damage caused by water infiltration, the insurer will only cover furniture, walls, ceilings, etc., without reimbursing roof repairs.

In the case of natural disasters, such as a tree falling on the roof after a hurricane, or part of the roof blowing off after high winds, the insurer will reimburse the cost of repairing both the roof and the interior components affected by the loss.

Cases where the insurer does not cover roof damage

Taking out home insurance doesn’t automatically give you access to reimbursement in the event of damage to your roof. For example, in the case of water infiltration, the insurer only reimburses damage to the interior, and not roof repairs.

The insurer will also refuse to reimburse you for damage caused by an old leak or roof problem that you failed to repair or neglected to repair. Finally, if you’ve neglected to maintain your roof and gutters, the insurer has the right to refuse any damage caused by leaks.

How do I make an insurance claim following damage to my roof?

Here are the main steps to follow if you wish to file a claim with your insurer:

Report the loss to your insurer as soon as possible;
Take the necessary initiatives to prevent further damage;
Inform the responsible authorities about the disaster so that they can come to your aid if necessary;
Assess and repair damage;
Identify damaged and irreparable assets;
Send invoices and proof of work to your insurer.

1- Report the loss to your insurer as soon as possible;

2- Take the necessary initiatives to prevent further damage;

3- Inform the authorities responsible for the disaster so that they can come to your aid if necessary;

4- Assess and repair damage;

5- Identify damaged and irreparable assets;

6- Send invoices and proof of work to your insurer.

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Toitures LV, ready to help you with any damage to your roof

At Toitures LV, we’re ready to provide emergency assistance to assess and repair any damage to your roof. Our team of professionals will be on site as soon as possible to carry out a thorough inspection and assessment, then repair the damage.

We have roofers in Laval and on the South Shore ready to intervene when needed. We take care of all types of damage to your residential, commercial, industrial or institutional building.