In the midst of tax season, the burning question on everyone’s mind is: What should I spend my tax return on this year? If you still have lingering storm damage from Hurricane Irma, and you haven’t yet filed a claim because you don’t have enough money to cover the deductible, it would be wise to file your taxes early and use the refund to cover it.
Why File Early?
In any instance of roof damage for which you file a claim, your insurance company is required to send an adjuster to get an estimate on repair or replacement costs. If you are unable to cover your deductible at the time of the damages to your property and procrastinate on paying for repairs, it could cost you much more in the long run.
For example, a storm may blow through Northeast Florida, bringing high winds or heavy rains with it. This storm could cause further damage to your already vulnerable roof. Should further roof damage occur between the period after getting an adjuster’s report but before you start repairs because you haven’t paid the deductible, the insurance company may not cover the additional costs. They will likely only cover the original quote, leaving you to pay for additional damages out of pocket.
This is why A.J. Wells Roofing & Construction recommends filing your taxes as early as possible. Receiving your refund early will mitigate risk. The faster you file, the faster you receive your refund; the faster you receive your refund, the faster you can start replacing or repairing your roof (and avoid possible damage to your home’s interior).
Why A.J. Wells?
Because some signs of roof damage are often not obvious to homeowners, it is best to get a professional inspection. Aside from Hurricane Irma’s storm damage, old age, fallen trees, and wind damage can take a heavy toll on the stability of your roof. At A.J. Wells Roofing & Construction, our experts are able to assess the damage thoroughly and give you reliable guidance on how to go about the roof replacement process.
A.J. Wells Roofing & Construction is a knowledgeable insurance restoration specialist; we can inspect your roof to ensure that it is thoroughly assessed, and that any remaining storm damage left by Hurricane Irma is promptly documented and replaced with the best workmanship and materials on the market. We even use the same estimating/billing software as your insurance company so you can be sure there are never any discrepancies in pricing.
At A.J. Wells Roofing & Construction, we understand that it can be difficult to pay your high deductible. We also know that the longer it takes to pay it, the more damage your roof could sustain, costing you that much more in repairs. That’s why we strongly encourage homeowners to file taxes ASAP and apply the refund to the deductible.
Once you’ve made the decision to put your tax return towards your deductible, schedule a free roofing inspection from A.J. Wells Roofing & Construction. Upon performing an inspection, we can discuss costs and scope of work so we can get your roof back to normal as quickly as possible.