How to Get Insurance to Pay for Roof Replacement
When a roof is damaged by a storm or accident, homeowners insurance may assist in covering the expenses for repairing or replacing your roof. However, your insurance provider won’t provide a new roof for free. The homeowner would still be responsible for paying a deductible, which might vary from the usual deductible depending on the cause of the damage, and may need to supplement the insurance claim to ensure that code upgrades are covered. A roofing contractor can answer any questions about code requirements and how to get insurance to pay for roof replacement.
Homeowners insurance provides peace of mind to home owners that if an accident or theft occurs, that insurance will cover their losses. One of the most important aspects of homeowners insurance is coverage for the physical structure of the home and any other structures on the property such as a shed. This coverage helps repair or rebuild a home – including the roof – if it’s damaged or destroyed by covered hazards like fire, vandalism, theft, or natural disasters (depending on the policy).
At Skyline Roofing, we understand that the cost of a new roof is a big investment. We offer fair pricing, extended warranties, and accurate estimates. It can be very reassuring when insurance agrees to pay for roof replacement. Let’s take a look at how that works.
How to Get Insurance to Pay for Roof Replacement
Accidents can occur, even to our roofs. When a roof is damaged, homeowners are typically on the hook for the cost of repairs. However, understanding how to access homeowners insurance for a new roof can significantly reduce the financial strain caused by unexpected events like storms or fallen trees.
But getting your insurance company to cover a complete roof replacement is a complex process. Most insurance companies have specific steps that clients must follow, starting with roof insurance claims.
If you lack prior knowledge of your policy or homeowners insurance procedures, you may be feeling a little overwhelmed. These steps offer an overview of the process:
- Review your policy. Start by checking your policy to ensure it covers roofing damage (not all policies include roof repairs). If needed, your agent can provide a copy of your policy outlining coverage details.
- Document the damage. Before filing a claim, take clear pictures of the exterior and interior damage. Detailed photographs, including close-ups using a ladder or drone camera, will bolster your claim. Document the date, time, and circumstances of the damage, and gather supporting evidence such as newspaper articles if the damage was caused by a storm.
- Get a roof inspection. Your insurance company will likely require an inspection report and repair/replacement estimate. Hiring a reputable local roofing contractor for the inspection is essential. This expense can pay off, as insurance companies often rely on professional assessments.
- Choose a reliable roofing contractor. Insurance companies prefer estimates from local roofing contractors. Ensure the company you choose has a good reputation for both quality and affordability. Avoid scammers by researching potential contractors, checking their licenses, reading reviews, and contacting previous clients.
- Stay in touch with your insurance agent. Maintain regular communication with your insurance agent throughout the process. Provide them with photos, estimates, and any necessary paperwork. Your agent will guide you on additional requirements and assist with project coordination, including repairs and payments.
By following these steps, you can potentially save a substantial amount of money on roof repairs or a roof replacement. When you’re ready for a professional roofing inspection, don’t hesitate to contact Skyline Roofing. Our streamlined process ensures every step, from the initial assessment to insurance coordination, is handled efficiently, allowing you to replace your roof without hassle.
FAQs about Homeowners Insurance Paying for a New Roof or Roof Repair
Q: What kind of roof damage is covered by insurance?
A: Insurance will typically only cover roof damage that’s caused by extreme weather or a storm event such as heavy thunderstorms, hail storms, or high winds. Most policies also cover roof damage from fallen tree limbs caused by a strong storm.
Q: Will homeowners insurance cover my roof for any other reasons?
A: It’s important to understand that insurance will not cover the cost of a new roof because of natural wear and tear. Regular inspections and timely minor repairs are essential to prevent significant damage in the future that will not be covered by insurance.
Q: If my roof is damaged in a storm, should I call a roofing company or my insurance company first?
A: You should call your insurance company first to find out if they may cover your roof damage. They will either send out an adjuster or have you contact a roofing company for an inspection.
Q: Does insurance cover blown-off shingles?
A: Typically, severe weather or natural events that cause shingles to blow off are covered under standard homeowners insurance. However, damage due to poor maintenance or wear and tear might not be covered.
Q: What do insurance adjusters look for on roofs?
A: Insurance adjusters inspect roofs for damage caused by severe weather, falling debris, poor installation, maintenance issues, or water infiltration. They assess the roof’s age and condition and ensure it complies with local building codes and industry standards.
Q: Should I call my insurance company if my roof is leaking after a storm?
A: Yes, it’s essential to contact your insurance company if your roof is leaking after a storm. Your policy might cover roof damage caused by storms, hail, wind, or natural disasters. Your insurance company will provide guidance on coverage and the claims process.
Q: Will insurance cover an old roof?
A: It depends. Some insurance providers may outright refuse to offer coverage if your roof is over 20 years old. Others might include a condition, or endorsement, in your policy stating that your roof will only be insured for its actual cash value. This means that if you file a claim, the insurance company will only reimburse a portion of the cost of a new roof, and this amount may decrease as your roof continues to age.
Different insurance companies have varying guidelines regarding roof age, and these rules can differ based on your location. For example, insurers near coastal areas might set a maximum roof age of 15 years due to the higher wear and tear experienced in those regions.
Trust Skyline Roofing & Construction for your roof maintenance & Installation needs
At Skyline Roofing & Construction our roofing professionals always strive to add value to your home or business for the long term –that includes installing quality roofing and maintaining your roofing investment. Contact us today to schedule your free consultation for a new roof or roof cleaning services. Skyline Roofing is located in Bellingham, WA and we presently serve Whatcom, Skagit, and Island Counties.