July 19, 2023
Key Factors Miami Homeowners Must Understand About Insurance Coverage
As a homeowner in Miami, one of the most important aspects of maintaining your property is taking care of your roof. With the city’s hot and humid climate, along with the occasional severe weather, roofs in South Florida can undergo significant wear and tear over time. When faced with roof damage, homeowners are often left wondering whether it’s better to repair or replace their roof. In this article, we’ll discuss this crucial decision and highlight the importance of understanding your homeowners insurance coverage.
Roof Insurance Coverage Factors
Before diving into the repair or replacement question, it’s essential to understand how insurance coverage factors into the equation. Damage from thermal shocks, which occur due to the extreme temperature variations in Miami, is considered “normal wear and tear” and is usually not covered by your property insurance. Insurance policies typically only cover damage caused by sudden and extreme weather events, such as hurricanes or tornadoes, or interior damage resulting from roof leaks (consequential damages). If your roof is damaged as a result of a hurricane or other weather condition, insurance companies may pay for a roof repair, as long as the damaged area does not exceed 25% of the entire roof. The reason for this limitation is that The Florida Building Code does not allow any roof repair to be larger than 25% of the entire roof. If the damage exceeds this threshold, a full roof replacement is required.
Considering Consequential Damages
It’s important to note that insurance coverage is not limited to just the roof itself. Consequential damages include damages to the interior of the home caused by roof leaks, such as ceiling and drywall damages. These damages are often more costly and can cause further complications if not addressed promptly. Therefore, it’s crucial to thoroughly inspect your property for any signs of water intrusion or leaks, even if the roof damage appears minor.
The Role of Public Adjusters
In many cases, damages to your roof may not be noticeable to the untrained eye. Therefore, it’s usually a good idea to retain a public adjuster to facilitate an insurance claim. Public adjusters are professionals who specialize in evaluating and documenting property damage. They can help identify hidden damages and ensure you receive the maximum coverage you are entitled to. Insurance adjusters are proficient in estimating damages using the insurance companies’ formulas, thus increasing the chances of obtaining adequate coverage.
When it comes to repairing or replacing your roof, the expertise and reliability of the roofing company you choose can make a significant difference. Local roofing companies, like T&S Roofing Systems, have extensive knowledge and experience working with the unique roofing challenges in Miami-Dade and Broward. They understand the local building codes and regulations, ensuring that your roof repair or replacement meets the necessary standards.