Should my Insurance Cover the Cost of my Roof Replacement?

May 10, 2022Blog, Roofing

According to the latest numbers reported by the Insurance Information Institute, 97% of homeowner’s insurance claims are for property damage. Approximately 34% of those claims are for damage caused by wind and hail, including metal roofing.

Insurance companies may or may not cover claims for roof damage.

That doesn’t mean you’re on your own should you need to file a claim. We’re here to help with a quick guide on how to get insurance to pay for roof replacement.

Explore your options before you file your homeowner’s insurance claim.

Does Homeowner’s Insurance Cover Roof Damage?

Missing shingles on roof due to storm damage. Keep reading to learn how to get insurance to pay for roof replacement

Responsible homeowners carry an insurance policy to cover unexpected expenses due to certain types of property damage. Understandably, insurance policies don’t cover every kind of damage.

What about damage to your roof? In short, it depends on what caused the damage.

Typically, a homeowner’s policy will cover the cost to repair or replace a roof when the damage isn’t due to poor maintenance. What they won’t cover is damage due to normal wear and tear.

If your roof suffers damage from a natural disaster, you shouldn’t have a problem filing and receiving a payout on your claim.

Steps to Take to Prepare Your Claim

how to get insurance to pay for roof replacement? Start by filling out an insurance claim with your company.

If you’ve had a recent weather event, assess the damage before contacting your insurance company. Even if you can visualize your roof from the ground, consider calling in a trusted roofing contractor.

Your insurance company will likely ask for a roofing inspection. A professional roofer knows what to look for and how to write the report.

Next, review your homeowner’s insurance policy. You’ll want to look specifically for roof coverage.

It’s most helpful if you can take the time to read over your policy and make sure you know what’s covered and what’s not before contacting your adjuster.

Once you’ve assessed your roof and read your policy, you can prepare to file your claim.

How Your Roofing Company Can Help

A roofing inspector checking out roof damage from a storm and making note of it all for an insurance claim.

When you’re facing the likelihood of needing to pay for a new roof, the stress can feel overwhelming. If you’re savvy, you’ll consider calling a professional roofer to help.

What can a roofing contractor do?

When it comes to insurance claims, your contractor can help you out with the following:

  • Detailed damage report
  • Photos of the damage
  • Itemized estimate

Many roofing contractors will also speak directly with insurance adjusters. This helps you and your insurance company ensure the information is complete to process your claim quickly.

How to Get Insurance to Pay for Roof Replacement

A woman holding her hands to protect and cover a model house.

Whether you’ve experienced a catastrophic natural disaster or are a victim of vandalism, your homeowner’s policy should cover roof repairs or the total replacement cost of your roof. After a damage assessment and a review of your policy, you should be ready to file your claim.

If you still have questions about how to get insurance to pay for a roof replacement, let our team help.

Here at Revive Restoration, we focus on integrity, a strong work ethic, and providing the highest quality products and services in the exterior renovation industry.

Contact us today and request a quote.