Importance of aftermath-warranty, home insurance
Knowing that you can depend on the Murakami Roofing warranty is reassuring even if your experience isn’t high drama like facing a hurricane or bad storm. It is also helpful to know how to best file a home insurance claim when you have to replace your roof.
If you notice leaking in your Murakami Roof, we will fix the leak. Period.
A customer had this to say, “One evening while eating dinner, I noticed a drop of water on the table, nowhere near any other liquids. The next time we have a heavy rainstorm, I noticed a few more drops of water. I contacted Murakami Roofing and they came out and repaired the roof. We were so happy and relieved because the weather people were predicting another approaching rainstorm. Thank you, Murakami Roofing, you built confidence in our roof!”
A basic roof can be a large investment in protecting the home and valuables inside. The value of a roof depends on many variables, including size, roof design, type of roofing material, flashings, hurricane protection systems, coatings and more.
When reviewing your home insurance policy at least once a year, keep a close eye on what and whether it covers roof repair or replacement. Insurance typically does not cover normal aging and wear and tear, or neglect. For Hawaii homeowners, most home insurance does not cover rot and mold. Some policies do not cover wind damage either.
FILING A ROOF CLAIM
Avoid secondary damage (to the ceiling or attic) by having a roofing professional make temporary repairs. Temporary repairs should be included in your claim and settlement.
To create an estimate, a Murakami Roofing professional estimator will take photos of the damage — and the company is happy to provide a copy of the photos to include in your insurance claim. Now, more than ever, you shouldn’t be walking around on your roof when you don’t know the extent of damage.
If you haven’t recently checked your policy for what is included in your coverage, we hope you won’t be surprised in a bad way. Carefully review what is included and, more importantly, excluded in your coverage.
Consult with a Murakami Roofing professional to figure out if it is better to not file a claim if the damage is minimal. If the cost of small repairs is minimal and/or you have a high deductible, it may make sense to not file and avoid an increase in policy rate.
GATHER YOUR DATA
Murakami Roofing supplies photos of the damage to include in your claim. Gather the following data for your claim:
1. When and how the damaged occurred
2. How old the roof is and the type of roofing material (asphalt, tile, metal, cedar shake etc.)
3. Any secondary damage that occurred after the initial event such as ceiling damage
5. Receipts for temporary repairs
6. Estimate to replace the roof
Schedule an inspection with the insurance claim adjuster and have the data available and prepare copies for the claims adjuster.
FIX YOUR ROOF WITH MURAKAMI ROOFING
If the roof is 20 years old or older, you may consider replacing it.
Typically, a claims adjuster will set a percentage of the purchase value as your reimbursement. It’s a balance between replacing versus not replacing the roof until you have to; however, when you have to, you may not get much for your roof value, similar to an old car.
You’ll need a roof replacement estimate at some point in the process. Be confident in a Murakami strong roof and give us a call.
MURAKAMI ROOFING LLC
ADDRESS 45-558 Kamehameha Hwy. C-18, Kaneohe