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Homeowners Insurance Coverage for Roof Replacement: Everything to Know

working on roof Metal cheese

There’s nothing more frustrating than having a leaky roof. Every time it rains or snows you have to worry about finding enough pots and pans to cover your floor and keep the weather out!

The good news is that many home insurance plans offer coverage for roof replacement costs. That means that you can get an affordable roof replacement just by filing a claim. 

If you’re wanting to get a roof replacement and aren’t sure if it’s included in your home insurance coverage, we’re here to help. Let’s dive into what you need homeowners insurance and roof replacements. 

How Roof Coverage Works Under Homeowners Insurance 

Typically, roof damage is covered under the dwelling coverage part of your insurance policy. This is basically a section of your homeowner’s insurance that covers the structure of your home. 

Since a roof is a part of the basic structure of your home, it will be included in this section. If your roof suffers from damage due to wind, hurricanes, or other problems, you can claim it under your home insurance policy. 

How Much Coverage for Roof Replacement Will You Receive

Just because you’re eligible for roof coverage under your home insurance policy doesn’t mean that you’ll receive the same amount as your neighbor will. Different types of insurance policies will cover different amounts of your roof replacement
 
Typically, insurers will cover the value of the roof at the time of purchase for any roof older than 20 years. This means that you may be required to pay additional fees to actually get the entire roof replaced. 
 
On top of that, you’ll still be required to pay the deductible on your policy. Make sure to factor this into any budgeting for the replacement of your roof. 

How to Get Reimbursement for Your Roof Damage

Getting reimbursement for your roof damage is fairly straightforward. You’ll start by letting your insurance company know about the damage and having them come out for an inspection. 

During your inspection, you’ll get a roof estimate that breaks down how much you should expect to pay for your new roof and how much the insurance will cover. Their adjuster will assess the roof damage and state how much compensation you’re eligible for. 

One way of improving your chances of getting more compensation for your roof is by providing your inspector with documentation. Before and after photos as well as copies of your insurance policy can improve your chances of receiving more compensation.

Get the Roof Repairs Your Home Needs

If you’re struggling with roof damages and want to get coverage for roof replacement, you can generally do so without much trouble. With this quick guide, you’ll be ready to call your insurance and get your new roof in place. 

Once you receive your insurance estimate you’ll need to work with a roofing contractor to get your repairs done. The team at The Roof Guys is here to help! Get in touch and schedule your roof repairs with us today.