Are Roof Replacements Covered By Insurance?

One of the biggest costs of owning a home is replacing the roof.  In today’s market, it can easily run up to thousands of dollars to remove and replace your roof.

But it is a necessary evil.  You should maintain the integrity of the roof to help keep the house in good condition.  Your home is one of your biggest investments, and you should take care of it to get your full money’s worth out of it if you decide to sell it.

Are you wondering if you need a new roof? 

Are the shingles curling?  Have you noticed shingle granules on the ground?  Does it have torn or missing shingles?

It’s possible that if your roof was damaged by a storm or another calamity, it needs to be replaced.  More often than not, however, your roof is probably just old, weathered, and worn-out.

Will homeowner’s insurance pay for roof replacements? 

It depends.  If there is significant damage such as pitting from hail stones or missing shingles from high winds, your homeowner’s policy should cover it.  Keep in mind, that the insurance reimbursement may be depreciated if the roof is more than ten years old.

Insurance companies typically won’t pay to replace a roof simply due to aging. 

Check your policy to see what they will cover.  Call a professional roofer such as Bryant Roofing and Repairs to inspect and provide you with their recommendations.  Have them take pictures of the damage, preferably with time stamps. Be sure to get a written estimate to submit to your insurance company if you decide to file a claim.

Replacing a roof can be stressful with the expense and the headaches of dealing with your insurance company.  Keep your patience and perhaps your claim will be approved.  Be sure to obtain the services of a professional, experienced, qualified roofing contractor with good references.