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Does your insurance adjuster know your area’s roofing code?

by: Kirsten Land on August 15th, 2017 about General

Do you know the latest details of the roofing code in your area? Don't worry. Most homeowners can't cite the specific roofing codes that might affect replacing or repairing a roof.

You might be surprised to find out, however, that many insurance adjusters aren't aware of roofing codes either. When it's time to make a claim on your insurance, show your insurance policy to your trusted roofer. Here are three reasons why.

1. Sometimes, adjusters aren't aware of the code.

This isn't a knock on adjusters. It's just an acknowledgment that it can be difficult to stay informed on roofing codes. Think about it: codes can vary from state to state and even city to city. Or they can be changed and revised multiple times in one year.

That's why it's critical to involve your trusted roofer in reviewing your policy. If you suspect damage to your roof, either after a storm or otherwise, call your roofer to come inspect it. Show them your policy when they get there and ask about any roofing code requirements that the insurance company should be aware of. If your roofer knows your policy, they can communicate these specifics to your adjuster.

2. Money is on the line.

In both the short term and long term, adhering to roofing code may save you money. In the short term, when your roofer knows your code, they can work with your adjuster to make sure your policy pays for code-compliant work and materials. In the long term, if you sell your house, you won't have to lower your asking price due to a failed inspection or pay to bring the roof up to code before the house can sell. Also, a roof that meets code is more likely to hold up over time, which can save you money on repairs and deductibles.

3. Even more money is on the line.

Some cities will inspect a project to verify that it meets code. If your newly replaced roof doesn't meet the code requirements because your adjuster was unaware, it could lead to fines and perhaps even the necessity to re-do all that work.

Respect the Code

Share your insurance policy with your roofer so they can help make sure your insurance pays for everything that they're supposed to. We work with homeowners and adjusters to make sure all the paperwork is properly filed. Each insurance company does it differently, and we can help you navigate it. In the end, it's good for you, your bank account, and your roof.

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