Navigating Roof Insurance Claims:
A Simplified Guide for Kiwi Homeowners
A robust roof is crucial for safeguarding our homes, yet the unpredictable weather in New Zealand can sometimes lead to roof damage. At JP Franklin Roofing in Auckland, we understand that addressing roof damage can be a stressful endeavor, and the process can become even more daunting when navigating insurance claims. This guide is designed to demystify the insurance claim process for roof repairs or replacements, providing you with a clearer pathway to resolving your roofing issues.

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Figuring Out the Cause of Damage

The first step in claiming insurance for roofing issues is to ascertain what caused the damage. Typically, insurance policies are designed to provide coverage for damages stemming from unexpected or unforeseen events like fires, storms, or acts of vandalism. Such incidents are beyond the control of the homeowner, thereby making insurance claims justified and necessary. On the other hand, regular wear and tear over time, which is considered a natural process, is not generally covered by insurance. This is because homeowners are expected to undertake routine maintenance to keep their roofs in good condition. Wear and tear can be a result of many factors including weather changes, age, and failure to perform regular maintenance or inspections which are crucial for prolonging the life of the roof.

Routine Inspections And Roof Maintenance Matter

Insurance companies consider the condition and age of your roof seriously when processing claims for repairs or replacements. A well-maintained roof under ten years old generally has a better chance of claim approval. Conversely, older roofs or those with multiple past claims might face more scrutiny, potentially leading to lesser coverage or denied claims.

This is where JP Franklin Roofing’s proactive maintenance services shine. Regular maintenance by JP Franklin Roofing can provide a documented history of care, which can be a boon when dealing with insurance companies. This documented maintenance can smoothen the claims process and possibly lead to more favorable terms. This proactive stance not only maintains your roof’s structural integrity but also sets a solid footing for insurance claims.

What Is Usually Covered?

Weather-Induced Damages:
Storm damage (e.g., damage from hail or high winds)
Snow and ice damage (e.g., ice dams or heavy snow loads)
Rain damage (e.g., leaks due to heavy rainfall)

Physical Impact Damages:
Falling trees or branches
Debris impact from storms or high wind events

Vandalism and Other Unforeseen Damages:
Graffiti, broken shingles or other damage due to acts of vandalism
Fire damage
Damage from animals or pests

Other Potential Coverages:
Electrical or lightning damage (e.g., a lightning strike that punctures the roof)
Water damage (e.g., leaks caused by plumbing malfunctions)

Each insurance policy is different, so it’s essential to thoroughly review your policy or consult with your insurance provider to understand the extent of coverage for these and other types of roof repairs.

Tree that has fallen onto a iron roof in auckland, JP Franklin team is in the background cutting down the tree and making the insurance emergency roof repairs onsite

Starting Your Insurance Claim for Damaged Roofs

After weather damage, it’s crucial to contact your insurance company quickly. They might send an adjuster or advise you to get a roofing company for an inspection. At JP Franklin Roofing, we can perform an initial inspection to assess the damage and provide a detailed report for your insurance company. Additionally, while the insurance details are being sorted, we can offer ‘make safe’ services to prevent further damage to your roof, such as applying temporary coverings to seal any leaks. This immediate action can help expedite the insurance claim process, ensuring your roof is repaired or replaced swiftly.

Types of Insurance Roof Repairs We Handle

longrun iron commercial roof

Longrun Iron

JP Franklin Roofing specializes in efficient longrun roof repairs, addressing issues such as leaks, rust, or damaged sections to restore the integrity and durability of your roof. Our skilled team ensures a thorough assessment and employs top-quality materials to deliver long-lasting results.

decramastic tile roof removal and replacement

Metal Tile

Metal tile roof repairs involve skilled professionals fixing and restoring metal tiles on the roof, ensuring they remain securely in place and maintaining the integrity of the roofing system. These repairs address issues such as leaks, dents, or damages caused by weather and wear, prolonging the lifespan and performance of the metal tile roof

asphalt shingle roof

Asphalt Shingle

Asphalt shingle roof repairs involve fixing damaged or worn shingles to maintain the integrity and longevity of the roof. Our skilled professionals at JP Franklin Roofing ensure precise repairs, using high-quality materials for lasting results and protection against weather elements.

new membrane roof

Membrane

Membrane roof repairs involve expertly fixing and maintaining the waterproofing system of flat or low-slope roofs, ensuring they remain resilient against leaks and other damage caused by environmental factors. Our skilled team at JP Franklin Roofing specializes in providing top-notch membrane roof repair services, extending the life and durability of your roofing system.

concrete tile roof after being painted

Concrete & Clay Tile

Concrete and clay tile roof repairs require specialized expertise to address issues such as cracked or broken tiles, leaks, and wear over time. At JP Franklin Roofing, our skilled professionals are equipped to handle these repairs with precision, ensuring the durability and longevity of your tile roof.

Asbestos Roofing

Asbestos roof repairs involve safely addressing and fixing any damages or issues in roofs containing asbestos materials. Certified professionals must handle these repairs with strict adherence to safety guidelines to prevent any potential health risks associated with asbestos exposure.

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