Will Insurance Cover Roof Repair or Replacement?
July 23, 2013Ryan Wells
Answers to Your Roofing Questions from San Diego’s Leading Roofing Company.
One of the most common questions we get from customers is “Will my insurance cover the cost of my roof replacement or repair?”
Sully-Jones Roofing provides FREE roof inspections and estimates for insurance claims.
In the event that your roof experiences some sort of damage, whether it’s from a hail or wind storm or a misguided firecracker, you should fix the bad shingles or tiles as soon as possible. A damaged section of roof can lead to flooding, pests, and wasted energy. Even if you do not see visible damage, but your roof has outlived its warranty, you should get an inspection of your roof. Fortunately, if you have homeowners insurance, the burden of paying for roof repairs or replacement usually does not fall completely on your shoulders. Your roofing contractor should be able to help you navigate your way through the roof insurance claims process.
Will Insurance Cover a NEW Roof?
Whether or not your insurance covers the cost of roof replacement depends largely on the extent of the damage. When roof repair could resolve the issue, your insurance company will want to fix the damage with less costly and less extensive repair measures. The cause of the damage is also considered when your insurance decides whether or not to replace the roof under your policy. If your roof has sustained damage from something unexpected, such as a fallen tree or a fire, chances are that they will cover a full replacement if the damage is severe enough. If the roof is older than the roof warranty, insurance may not cover roof replacement. Sully-Jones Roofing will be happy to come out for a full roof inspection and provide you with the information your insurance company will need to assess whether a new roof will be covered.
Will Insurance Fully Cover Roof Repair?
If the damage caused to your roof is caused by a natural disaster or accident that is covered by your policy, you should be able to get all repairs paid for by your policy. On the other hand, excluded circumstances won’t be covered. For instance, Named Peril Insurance will only cover the cost of repairs that are specifically named in the policy,which usually includes things like lightening and hail damage. On the other hand, All Risk Policies will cover everything except for those types of damage that are specifically excluded. For example, tree damage, random debris falling from the sky and broken shingles from a rogue firework should all be covered by an All Risk Insurance policy unless your policy names them as exceptions.
Does the Age and Condition of the Roof Affect Insurance Coverage?
Your policy may outline age requirements for roof replacement or repair. For instance, if your roof is more than 10 years old, you may only be allowed reimbursement for the depreciated value of your roof instead of the original value. As aforementioned, the condition of your roof also matters when the insurance company evaluates whether or not it can cover your roof damage. The more severe the leaking and evident damage that is present, the better your case for the necessity of a repair or replacement.
What are the General Guidelines for Filing a Claim For Roof Work?
Before you can get work done on your roof that will be covered by insurance, you will need to get an estimate from a professional roofing contractor. In most cases, you are allowed to use the roofing company of your choice. You can also file a supplemental claim if the roof ends up costing more than the original quote.
Even in sunny San Diego, residential roofs will naturally deteriorate over time. In addition, extreme weather and accidents, can play a part in its roof damage. Reading the fine print of your insurance policy when the roof is in good condition will help you file a claim more smoothly when the time comes that your roof needs to be repaired or replaced. Sully-Jones Roofing has extensive experience in providing roof estimates for insurance claims and helping our clients navigate the process of getting their roof repair or replacement covered by their insurance company.
Contact Sully-Jones Roof for a FREE Inspection and Estimate.
Tags: Roof Insurance Coverage Roof Repair Roof Replacement