Does Homeowners Insurance Cover Roof Replacement?

Anyone who is a homeowner knows there are limitations to all types of homeowners insurance policies that are available. Although the policy is designed to offer protection and coverage when materials need to be replaced, there are still times when it won’t cover the cost, which includes if you need to reroof your home. As a homeowner, it’s important to know how to get your homeowners insurance company to pay for the expense to prevent it from coming out of your own pocket.

Look into the Coverage You’ve Obtained

There are two different types of insurance policies that are available, which determine how much coverage you have on your home. Replacement coverage and repair coverage are both available. If you only have repair coverage, the policy won’t cover the cost of replacing the entire structure. Although replacement coverage will cover a new roof, it can be difficult to put in a claim for the project. You have to provide a lot of proof that the roof needs to be replaced and show images of its condition. Replacement coverage can also cost more than repair coverage because the insurer has to pay more when you file a claim.

Find the Most Reputable Roofing Company

You’ll need to shop around and do your homework to ensure you can find a trusted and reputable roofing company in the local area to install your new roof while working with your homeowners insurance company. The top companies will be happy to create a report that you can give to you can submit to your insurance company. The company will work hard to help your claim get accepted. 

The company you work with should offer roof replacement services and should have experience working with insurance companies. Look for a company that has a website and customer reviews to determine how satisfied other people have been with the quality of work they perform. You can also request a few references to ensure you can speak directly with their customers and ask if they recommend the services.

Steer Clear of Scams

Many people are unaware of how common insurance scams are becoming, which can cause you to lose a significant amount of money. Scammers often attempt to take advantage of homeowners that are using their insurance policies to cover the cost of roof installations. They often guarantee a free roof when you sign a contract. You can expect for them to contact you by phone or even come to your door.

Scammers can try to scare you and make you think that your roof is in disrepair. They can make you believe the roof is about to cave in at any moment and that you need their services immediately to avoid a disaster. 

If you’re wondering if someone is trying to scam you, start by asking for their liability insurance. They should also be capable of providing you with a physical address of where their headquarters or offices are located to ensure they’re reputable and can be trusted. Ask for their business license and also read through different reviews that are posted online before you agree to use their services.

Remain Patient

It usually takes an average of two weeks for your claim to be reviewed and processed by your insurance provider. You’ll have to wait up to 15 days to get an answer and hear back about if they’re willing to replace your roof, depending on the information you’ve provided. You may also need to find another company to get a policy with if your claim is denied.

Knowing what it takes to try and have a new roof covered by your homeowners insurance is necessary to get started on the project and restore the quality and condition of your property. You’ll be aware of what information you need to have on hand and can avoid potential issues if you’re prepared.