Whenever we inform a homeowner that they need a roof replacement, one of their first questions is often: “Will my insurance cover this?” The truth is that every homeowners insurance policy is different, and knowing what your plan will or will not cover can be tough to figure out right away. Fortunately, over the years, we have worked with many insurance providers and have learned what situations are most often covered.
If you need a roof replacement due to sudden or accidental damage, most policies offer protection against these perils. Insurance often covers risks like storm damage, fire damage, and falling objects, so if your roof was severely damaged in a storm, your policy will likely cover at least a portion of the roof replacement service. On the other hand, if you need a roof replacement due to years of normal wear and tear, you’ll likely need to pay for the service out of pocket. Another key thing to remember is that your insurance policy probably won’t pay for a roof replacement if you have been neglecting to schedule routine roof maintenance services or if there was pre-existing damage to your roof.
To find out exactly what your plan covers, you can usually find covered perils and exclusions in your policy documents. If you have any questions about your coverage, you can call your insurance agent for clarification, or you can ask one of our experienced roofers for guidance. We have helped numerous homeowners with roof damage claims, and we can provide the honest, straightforward tips you need. We can also carefully document your roof’s condition so that you’ll have plenty of evidence in case you choose to file a claim.
For more information about the roof replacement process, please reach out to us today.