March 21, 2021 · ACI Adjustment Group
Before you go for Travelers Insurance Roof Claims, you need to understand what is generally covered by Travelers Insurance.
Travelers, being one of the leading insurance providers in the US covers as much as possible in roof damages. However, there still are cases where Travelers is not bound to compensate you.
The main deciding factor in that is the cause of the damage and the responsibility of the homeowner (if any) in causing the damage.
Things and Cases Covered by Travelers Insurance Roof Claims
There's a general rule of property insurance that pretty much goes without saying. You are not entitled to any compensation for the loss you could have prevented.
On the other hand, if the loss is caused by anything beyond your control, you get compensation for it.
Some of the cases where the damage caused to your roof is generally covered by Travelers Insurance include:
Hailing Damage
Hailing is responsible for a collective damage of $1 billion a year in the US. If your roof is damaged by a hail storm it is generally covered, depending on your policy terms by Travelers insurance.
Storm Damage
In case of a severe storm a roof can be seriously damaged or even totally destroyed. As such a damage is out of the control of the homeowner, Travelers covers this type of damage.
Other Natural Causes
If the roof damage has resulted from any other thing that the homeowner could not have controlled, that is also covered by Travelers.
Things and Cases Not Covered by Travelers Insurance Roof Claims
Some of the things that are not covered by Travelers insurance include:
Lack of Maintenance
If the roof fails due to improper maintenance of the structure, it is not covered under the insurance.
Roof Ageing
Roofs have a limited lifespan. Generally the roofs older than 20 years are not covered. This is because repeated exposure to the sun and drastic changes in the weather causes the roof shingles to become brittle.
Substandard Roofing Materials
Like any other insurer, Travelers has its own list of roofing materials that are not covered by insurance. You can learn more by reading your insurance policy or calling Travelers for assistance.
How Much Do Travelers Insurance Roof Claims Cover
Depending on the cause of damage and a number of other factors, you can be entitled to one of the following three compensations by Travelers:
No Compensation
If you fail to report the damage right after it happens or the damage caused is lesser than the minimum threshold set by Travelers, you might not be entitled to any payout.
Partial Compensation
If the roof is damaged but can be repaired, Travelers will entitle you to a payout to cover the repair and not the replacement of the roof.
The repairability and the payout you get depend on the recommendations of the claim adjuster assigned to you by Travelers.
If you doubt that they might tend to favor the insurer, you can hire your own guys to do that. AIC Adjustments Group can make it possible for you to get the best deal. More on them at the end of the blog.
Full Compensation
If the roof is deemed unrepairable by Travelers, or the public adjuster you hired, Travelers may pay you to have a new roof installed complete with sidings, rain gutters, and even the solar panels if necessary.
ACI Adjustment Group Services
Insurance policy review to help you understand the terms and conditions of your insurance policy.
Evaluating damages that are generally covered under your insurance policy.
Proving the damages done to your property so that you get claim money according to the damage.
Following up with your insurance claim process to get it processed fast.