Tag Archives: insurance

What You Need To Know About Tornadoes and Homeowner’s Insurance

With tornado season right around the corner, a question you might want to ask yourself is, “Does my homeowner’s insurance cover all tornado related damage?”

The answer is NO. While the image of a tornado striking a residential home may be of a swirling wind tunnel ripping off a roof, tornadoes can cause all sorts of damage to your property – from water damage to uprooted trees.

So What Is and Isn’t Covered?
What’s important for homeowners to be aware of is that a typical homeowners insurance policy does NOT cover the following:
* flooding
* uprooted trees strewn on property
* food that has spoiled because of a power outage

What Defines a Flood?Tornado hitting a house
In order for water damage to be considered a “flood” and therefore, not covered by homeowners insurance, the water has to have hit the ground before entering your home. Consider this scenario: Your neighbor’s pipes burst during a tornado. Your house, sitting downstream from your neighbor’s house, is flooded from the ground. Because the water came into your house from the ground, it’s considered a flood, and the resulting damage won’t be covered by your homeowners insurance. For this, you need a separate flood insurance policy.

If, however, a tornado damages your windows and roof and then a rain storm dumps water into your house the next day, your homeowners insurance will cover this because the water entered your home before touching the ground.

Uprooted Trees
Some tornadoes are strong enough to uproot trees. If this happens on your property, your homeowners insurance will not cover the removal of the trees. If, however, an uprooted tree falls on your house, the damage to your house, along with the tree removal, will be covered by your homeowners insurance.

Rotten Food
Power outages are more common during tornado season and food can begin spoiling within just a few hours. Unfortunately, homeowners insurance does not cover rotten food in the refrigerator and freezer so you’ll have to determine what and when to save and what and when to start throwing stuff out.

If you keep the refrigerator door closed as much as possible, much of your food can last up to 4 hours. However, if perishables such as raw fish, meat, poultry, or eggs sit for over 2 hours at 40 F or more, throw them out. The same rule goes for milk products and baby formula.

What Should My Insurance Policy Cover?
Depending on your insurance policy, tornado coverage may fall under the category of “windstorm.” This is a broader category that can include hurricanes as well as tornadoes. In general terms, your homeowners insurance policy should cover losses caused by a tornado, a.k.a windstorm. This includes damage caused to your home and property and the loss or damage of personal property, such as furniture.

While the best case scenario is that you’ll never have to file a homeowners insurance claim as a result of a tornado, it’s important to be prepared and knowledgeable about what is and isn’t covered by a basic homeowners policy before the damage is already done.

Five Reasons Why You Should Call Schneider Roofing and Remodeling After A Storm

What a mess!! A big storm rolls through town and hits your home hard, and your roof took an absolute beating. You’re missing shingles, which are now scattered all over your yard. Maybe, you’re facing an even more difficult situation, such as a hole in your roof and water is leaking into your home…

At Schneider Roofing and Remodeling, we’ve been serving our community for a long time. We have seen too many homeowners “take on” their insurance company after a big storm causes damage. They never seem to be satisfied with their claims or the repair to their home. Here are five reasons to give us a call and prevent the frustrations we have seen with so many others:

1. You Get a Thorough Evaluation! We won’t spend just a few minutes walking around your home or snapping pictures from a car to evaluate the damage of your roof and attic. Instead, you will get a complete 17-point inspection and diagnostic of your roof. We will get on your roof and in your attic to evaluate everything closely. That’s the best way to find hidden damage. The last thing you want is for an undiscovered problem to cause massive damage to your home months later!

 2. You’ll Know Your Options! After you’ve received a 17-point inspection and diagnostic of your roof, you will be given a variety of options. Hopefully, your roof only needs a simple repair. But if you require a new roof, you may be able to choose from a variety of shingles. Sometimes the insurance company will “adjust” your claim by calling for the lowest (and cheapest) grade roofing materials. After our inspection, you will know exactly what your roof needs.

3, You’ll Get Insurance Help! Once you’ve selected the best option for your home, your job is done! It’s time to let Schneider Roofing and Remodeling go to work for you! That means contacting your insurance company and explaining the work you would like (and need) performed on your home! We’ve been working with insurance companies for years, and we know how to get the roof that you want.

4, You Get Roofing Professionals! You will get the repair or new roof you want because we have experience dealing with insurance companies. They trust us because we’re licensed, insured, and all work is performed up to code. They also know that we’re customer service experts, and only the best people work for us. All employees are highly trained, drug tested, and background checked. You only get the best people and the best products when working with us!

5. You Get Long-Term Support! You also get roofing professionals that will be here to stand behind our work! We offer the absolute best guarantees and warranties! And should you have a question or issue, you can give us a call at any time, and we’ll be there immediately! This is our community, too! We take pride in making sure everyone is completely satisfied!

What You Need To Know About Insurance Claims

homeowners insuranceThere is a Missouri law that was passed in 2012 that is important for homeowners to know about.

This law prohibits contractors from offering to pay for any portion of the homeowner’s insurance deductible. Contractors are specifically prohibited from granting allowances to the insured, offering any discount against the fees to be charged, or paying the insured (or any person) directly or indirectly any form of compensation (including gifts, prizes, bonuses, credits, referral fees, or anything of monetary value).

Additionally, homeowners must be given the contractual right to cancel the contract prior to midnight on the fifth business day if any part of the insurance claim is not covered following written notice by the insurance company. This notice is considered given by the homeowner on the date of the mailing, not the date of receipt by the contractor. A statement notifying the consumer of their right to cancel must be printed in boldface type on the contract and should include a form to be mailed in if the homeowner wishes to cancel the contract. If the contract is canceled, the contractor must return amounts paid, minus payment for any clean up work that may have taken place.

For additional information on this subject, feel free to call (314-378-6623) or email the experts at Schneider Roofing and Remodeling.