Does insurance cover a roof replacement?
If a nasty wind or hailstorm has blown through your area and damaged your roof, your insurance company should cover the cost of a roof replacement. However, it’s essential that you understand the terms of your homeowner’s policy that can affect your claim approval and maximize your reimbursement. In general, most homeowner’s policies will cover the replacement of a roof that has been destroyed by wind damage, hail, fire, vandalism, lightning, and heavy snow, ice, and sleet.
Contact your insurance agent to discuss how to proceed, or better yet, work with a roofing company that can help you navigate the insurance claim process – like Premier Roofing. It’s important to choose a local, trustworthy roofing company who will help you document the damage and file a claim that helps you qualify for a roof replacement. It’s all too common for out of town roofers to descend on a neighborhood after a major weather event and blanket homes with promotional materials advertising a quick settlement. Don’t fall for these scams.
After the inspection, you can submit your claim, and the insurance company will send an appraiser to your home to assess and verify the damage before the claim is approved.
As you work through the insurance-funded roof replacement process, here are a few points to be aware of that could reduce or delay your claim. (Please note that this is general information and roof replacement insurance claims will vary from state to state.)
Age of the Roof and Routine Maintenance
Your insurance company may balk at replacing a roof that is 20 years old or older. You can also factor in how well you’ve maintained your roof over the years. If you’ve neglected routine maintenance, such as regularly cleaning your gutters or repairing leaks, and the result is damage, your claim could be denied.
Cause of Damage
As mentioned, most homeowner’s policies will replace a roof that has been damaged by perils such as extreme weather, a fire, or vandalism. In regions with a high risk of disasters such as wildfires, earthquakes, tornadoes, etc., you may not be covered, unless specifically stated in your homeowner’s policy.
Policy Types and Damage Limits
It’s important to review your policy for damage limits. In some cases, you may not receive the full replacement cost of your roof based on the cause of the damage as discussed above. Another important consideration is whether your policy is for Actual Cash Value (ACV) or Replacement Cost Value (RCV). Simply put, the difference is that ACV includes depreciation in assessing the claim, whereas RCV does not. Premier Roofing has real-life examples of how ACV and RCV work.
Deductible
All homeowner’s claims will have a deductible and roof replacement claims are no different. You will be responsible for paying your deductible. Any roofing company that promises to waive your deductible is not reputable. That practice is illegal and can be deemed as insurance fraud. Premier Roofing can provide information on how your deductible factors into the total cost of roof replacement.
Premier Can Help You Navigate Insurance Claims
Premier Roofing is your trusted local source for roof replacement and will work with you and your insurance company to get your claim processed promptly. Premier has helped more than 25K homeowners navigate the insurance process. With branches throughout the U.S., we will never suggest waiving your deductible, and your roof will be replaced by skilled craftsmen using the highest-quality materials. Use our online contact form to schedule a free, no-obligation roof inspection to get the claims process underway.
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Premier Roofing was awesome to work with! They did everything they said they would from the beginning. Communication was excellent and my roof looks great! Very pleased with how everything turned out. Definitely recommend Premier to everyone!
– Juanita H
