Safeco Roof Damage

Roof damage caused by hurricane winds and wind driven water and hail is typically covered but like wind and hail damage in tornado alley it s common for insurers in coastal states to require a separate named storm or hurricane deductible if a hurricane or tropical storm is officially named and declared by the national hurricane center.

Safeco roof damage.

Safeco took over my homeowner policy and the cover letter stated that i would have the same coverage or better with safeco. According to the national oceanic and atmospheric administration noaa there was a total of 4 611 hail storms in the united states during the year 2018 with 2019 ending on a higher number as of year end more than 5 396 hail events were recorded although most people think that property and roof damage only occur in rare instances with larger than average hailstones even the smallest. Eleven months later i had a hailstorm do in excess of 9 000 damage to a garage that was at a different address. Take photos of your roof so you have them on file in case of any damage.

For example if you had a fiberglass roof we will pay to repair or replace the damaged area with fiberglass but we won t pay to replace it with more expensive slate tile. Most homeowners insurance policies cover roof replacement if the damage is the result of an act of nature or sudden accidental event. Water damage in 12 different places in the interior. Insurance is offered by safeco insurance company of america and or its affiliates with their principal place of business at 175 berkeley street boston massachusetts 02116.

Last year safeco made changes to its best practices for handling roof replacement claims from storm damage. More extensive damage or even a total loss will require you to work with your insurance company which includes taking steps like providing proof of the roof damage this is where your before and after photo and video documentation will be super handy measurements of the roof and damaged areas the event s that caused the damage and the dates and times associated with those events. Your property insurance policy typically covers the cost to repair common hail damage to your roof. The buck has been passed so many times that i have lost count.

Most homeowners insurance policies won t pay to replace or. As a former employee of safeco in the homeowner property sector i feel it is important for any safeco home insurance policy holder to be aware of the unethical practices safeco uses for handling property damage claims. Safeco will replace damaged items and materials with the same type and quality of materials you had before your home was damaged.