Homeowners Insurance Coverage for Roof Replacement: Everything to Know
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!
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
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.