Your home’s safety and security depend on a roof that is in good working order. It’s your responsibility to ensure that your roof is well-maintained.
But what if your roof is compromised? Will your homeowner’s insurance cover roof replacement? If so, how does the process work?
In this article, we will guide you through the process of how to get insurance to pay for roof replacement.
We will also explain the steps involved in filing a claim and provide other useful tips for navigating this process.
Does insurance cover roof replacement?
Yes. Most standard homeowner’s insurance policies cover roof damage caused by “covered perils.” These usually include the following:
Wind: Severe storms with high winds can cause shingles to tear off, loosen, or damage the underlayment.
Hail: Hail can cause extreme damage to asphalt shingles, metal roofs, and even tile roofs.
Snow and ice: Heavy snow accumulations and ice dams can cause a roof to collapse or cause leaks.
Fire: Fire damage means you need a new roof; insurance will cover the damage.
How to get insurance to pay for roof replacement. Where it gets tricky
Coverage hinges on the cause of the damage.
- Normal wear and tear: Insurance does not cover the deterioration of your roof due to age or lack of maintenance.
This is why regular inspections and maintenance by a knowledgeable professional like Southern National Roofing are not only important but necessary for the health of your roof.
- Age of the roof: Some insurance companies may have a limit for coverage on older roofs. They may only offer a depreciated value for replacement cost based on age.
- Improper installation is the biggest reason why using a highly respected roofing company is the most important decision you will make. If faulty installation is determined, your insurance company might deny the claim.
The insurance process
Follow these key steps to learn how to get insurance to pay for roof replacement.
If you suspect storm damage or other damage that is considered a “covered peril” based on your insurance policy:
- Document the damage: Take good photos and videos from different angles, including timestamps, to document when the damage occurred.
- File a claim promptly: Contact your insurance company immediately to report the damage. They will guide you through the process.
- Schedule a roof inspection: Your insurance company will send an adjuster to inspect your roof.
- Gather estimates: Use a qualified roofing company like Southern National Roofing for a roof replacement estimate.
- Review the claim offer: Once the insurance company presents its offer, review it carefully and understand exactly what it covers.
- Negotiate if necessary: If you feel the offer isn’t enough, use your estimates and documentation to support your case.
Know your policy well to ensure a smooth process when roof damage occurs. Maintain good records for maintenance and inspections, be patient, and take steps to stop further damage until your roof can be replaced.
Southern National Roofing offers free estimates and inspections.
