The short answer
What Board-Up Services Include
Board-up services secure your home after sudden damage, such as a broken window from a storm or a hole in the roof from a fallen branch. The pros cover openings with plywood or heavy plastic to keep out rain, wind, and intruders. This temporary protection prevents further harm while you plan repairs.
You might need this after a fire, a severe storm, or a burst pipe that damages a wall. The goal is to stabilize your property quickly. Without boarding, water and debris can enter, leading to more extensive issues. The work is practical and immediate, focusing on safety and stopping additional damage.
- Broken windows and doors
- Holes in roofs or walls
- Storm or hail damage
- Fire or smoke damage
- Burst pipe incidents
When Coverage Usually Applies
Homeowner's insurance typically covers board-up costs if the damage comes from a peril named in your policy, like wind, hail, or fire. For example, a spring thunderstorm can bring hail that breaks windows, and that kind of event is often covered. Your policy's dwelling protection may pay for temporary measures.
But coverage is not automatic. If the damage results from long-term neglect, like a rotting window frame, your insurer may deny the claim. Always read your policy and talk to your insurance company. They will explain what perils are included and what your deductible is. Remember, policies vary, and your insurer decides what is covered.
Steps to Take After Damage
Act quickly to protect your home. Take photos of the damage before any temporary repairs. Then, contact your insurance company to start a claim and ask if board-up services are covered. Keep receipts for any materials or labor, as these may be reimbursable under your policy.
While you wait, you can do basic things like tarping a roof or covering a window with plywood, but leave major work to the pros. They have the right tools and experience to secure your home safely. Do not enter areas with structural damage, as they can be dangerous. See a doctor if you feel unwell from any exposure.
- Document damage with photos
- Call your insurance company
- Keep all receipts
- Avoid unsafe areas
- Ask about temporary repairs
What to Ask Your Insurer
Ask your insurance company directly if board-up services are included in your policy. Inquire about your deductible and whether you need prior approval for emergency work. Some policies require you to mitigate further damage, so boarding up is often a necessary step that they expect.
Also, ask if the board-up cost is part of the dwelling coverage or a separate line item. Clarify the time limit for filing a claim. Keep your policy documents handy and your insurance company's phone number accessible. Being prepared helps you respond quickly after a storm or accident.
Cost and Payment Factors
The cost of board-up services varies widely. It often depends on the size of the opening, the materials used, and how many windows or doors need covering. A simple window might be less expensive, while a large roof hole costs more. Your location and the urgency also play a role.
Typically, you may pay a few hundred dollars for basic work, but it can go higher for extensive damage. The total depends on the specific situation and your policy's terms. Your insurance company may pay for it directly or reimburse you after you submit receipts. Always confirm the process with them first.
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Call Now (817) 799-6732Frequently asked questions
What if my insurance denies the board-up claim?
If your claim is denied, ask for a written explanation. You can appeal the decision or file a complaint with your state's insurance department. Sometimes, a denial is due to a misunderstanding, so provide additional documentation. Check your policy for specific exclusions before taking further steps.
Can I board up the damage myself to save money?
Yes, you can do simple boarding yourself, but it must be done safely. Use proper materials like exterior-grade plywood and screws. However, for large or high areas, the pros are safer and more effective. Your insurance company may also require professional work to meet safety standards.
Does renters insurance cover board-up services?
Renters insurance may cover board-up costs if the damage is from a covered peril, like a fire or storm. However, it depends on your policy limits and deductible. Talk to your insurance company to understand what is included. Remember, policies vary, and your insurer decides what is covered.