There are many, many different methods of roofing installation. Each method has its own required materials depending on the type of roofing being used (e.g. metal, cedar shakes, rubber shingles or asphalt roofing installation). Each installation method is used for different purposes and requires many different types of products. Because of the complexity of roof installations and their corresponding materials, it is important for homeowners to realize not all of them will be covered in your insurance claim. From cedar shakes to asphalt roofing installation, Meerkat will help you through the entire process – from estimates to finished roof.
Insurance Coverage for Asphalt Roof Installations
Since asphalt shingles are the most common type of roof in Calgary, the majority of insurance claims deal with asphalt roof installations. Most often, insurance companies only cover the type of installation that was in place previous to the claim. This is assessed by the insurance company’s estimator, or – if they request it – through Meerkat’s estimate team. Even though it may be an additional expense, some homeowners decide to install different roofing materials or upgrade their flashing or other roof elements during an asphalt roof installation.
Insurance Coverage for Other Types of Roofs
While we most often deal with asphalt roof installations, our team is experienced in all types of roofs and insurance claims. If your insurance requires an assessment, it will review the types of materials that were in place and the quality of the products used. This assessment is what dictates what installation and what materials Meerkat will use during repairs, unless the customer desires upgrades.
Insurance Coverage for Individual Roof Elements
Typically, insurance companies will only cover items on your roof that are visibly damaged. This means they may not cover things like vents, rotten decking or existing flashings not visibly damaged but still require replacement due to the new roof installation. It is also important to note that upgrades to any of the materials used are almost never covered by insurance. Insurance companies only cover the cost of an upgrade if the original product, and no similar products, are available.
Upgrades to Roofing Materials or Installations
You can always request an upgraded asphalt roof installation or other types of roofing materials based on your preference and home needs. Upgrades are typically not covered by insurance companies, but our estimate team is happy to provide you with a quote in order to ensure your roof is exactly the way you want it to be – regardless of what portion will be covered by your insurance. We will work with you to ensure you get the best products for your needs and budget.
“My neighbours and I were impressed by the lack of debris when the job was finished. We were unable to find any of the usual nails and bits of shingles – a tribute to your company’s standards and the success in meeting them!” – Fran G.