Between the paperwork and red tape, filing a claim with your insurance company for a roof repair can be confusing. It’s important for you to stay informed about the care of your home and ask questions about your insurance coverage, especially if you’re unsure how your insurance plan will affect your roof.
Top Answers from Our Roofing Experts
Leave your stress at the door. Our experts are qualified as GAF Master Elite Roofing Contractors to assist in your roof repair or replacement. The insurance process can be frustrating and complicated, but we’re here to help. Get the answers you need to the most common questions about insurance and roof repair.
- Who should I contact first if my roof is damaged?
- Does homeowner’s insurance cover roof damage?
- How much will insurance pay for roof repair?
- Will my insurance company cover a full replacement?
- If I don’t have insurance coverage, can I still get my roof repaired?
1) Who should I contact first if my roof is damaged?
If you notice a missing shingle or leaking ceiling, don’t wait to contact a representative at Royal Crown Roofing to schedule a free inspection. Small defects left untreated can cause more damage over time, which can directly affect your insurance coverage. After your roof inspection, our team will set up a temporary repair and assist you in the insurance claim process.
2) Does homeowners insurance cover roof damage?
Yes and no. The dwelling coverage section in your insurance policy involves the protection of your home structure, which would include your roof. Most homeowners’ insurance protects against a limited amount of perils such as fire, heavy winds, and hail damage. However, certain exclusions against windstorms or hail might exist in your policy and fail to cover your emergency roof repair. Insurance carriers consider it a homeowner’s responsibility to care for their roof. That being said, damages from a leaky roof or general wear and tear are normally not covered by homeowners’ insurance.
Pro Tip: Read your insurance policy to check for any exclusions that would affect your roof repair. Supplemental insurance might be required if the damage extends beyond your coverage limit.
3) How much will insurance pay for roof repair?
Fortunately, there is no cap for the amount of money insurance will pay if your roof is under 20 years old. However, the amount of reimbursement will be affected by your repair estimate and insurance adjuster’s opinion. Make sure your roof inspection includes a detailed list of repair costs to give your insurance an accurate estimate. If your insurance company fails to provide a fair estimate, be sure to ask for a reconsideration before you start repairing your roof.
4) Will my insurance company cover a full replacement?
If your roof is older than 20 years old, your insurance company will likely consider the roof too old to qualify for reimbursement. However, if your roof is within its recommended lifespan and the estimated loss is greater than its value, an insurance company will approve a full roof replacement. Depending on your policy, you might have to pay a deductible before your insurance company will pay the remaining replacement cost.
5) If I don’t have insurance coverage, can I still get my roof repaired?
Of course! The cost will vary depending on the type of roof repair, but our roofing contractors strive to provide high-quality service with competitive pricing. If you’re unable to pay upfront, we provide financing through nationally-accredited, Hearth. Whether you want to finance a portion or the full amount of your project, Hearth offers a variety of payment plans for your convenience.
The Benefit of a Roof Warranty
Unlike many roofing companies, our team is proud to offer a variety of workmanship warranties for the longevity of your roof. All of our roofing contractors are certified with GAF Master Elite Roofing to extend a lifetime warranty that is protected by GAF, the leaders in professional roof quality. If you’ve had your roof replaced by one of our contractors, you can rest knowing that any future damages will be handled efficiently.
Did we neglect to answer your insurance question? Connect with one of our associates to receive assistance with your roof repair.