If you have an all peril’s home insurance policy, this will typically cover the cost of replacing your roof if it incurs damage. That being said, it can be quite the process to jump through all the hoops insurance requires to pay for a new roof. So, how do I get insurance to pay for a new roof?
How Insurance Coverage Works For New Roof Replacement
The first best step you can take is initial documentation. By initial documentation, this means pictures of your roof before the damage occurs. While this is not a hard requirement from your insurance, it definitely can help in trying to prove you have a valid insurance claim on your roof. The insurance company likes to see before and after picture of your damage.
Insurance does not cover any damage that is related to general wear and tear of roof. This will usually fall under general maintenance, which is expected to be upheld on your end. So you want your insurance to pay for a new roof? According to Allstate, the damage must come from a storm, extreme weather, or “Acts of God”. Insurance covered damages to your roof are typically called “perils”. Commonly covered perils include fire, wind, and hail damage. A good example of damage that is usually covered is; A windy storm happened the night before, and a tree fell onto your house, damaging your roof. Most times your new roof and any other damage parts of your property/items may be covered under your insurance.
Insurance can be tricky, since they all have slightly different coverage and wording of their policies. It would be worthwhile looking into your insurance policy to see if there is anything explicitly covered or stated about your roof & perils. Even if there is not anything specific in your policy, it is always worth looking into.
A New Roof From Insurance Has Some Requirements Though
In most cases, depending on your coverage you will need to pay a deductible for your insurance to replace your roof. Assuming you have a claimable peril with your insurance, they will set an appointment for an insurance adjuster to inspect the damage. This is where things can get tricky. If the damage is severe, in many cases it should be covered. But when the damage is minor, the insurance company may classify the damage as cosmetic, which is not covered. Other interesting aspects may occur such as the water damage is covered under a peril, but the roof itself is not covered for certain reasons by your insurance.
The Age Of Your Roof Is Important To Your Insurance Claim
If your roof is under 10 years old, this is usually good from an insurance aspect. Most claims on a roof less than 10 years old are usually covered. When your roof is older than 10 years old, the amount covered generally depreciates overtime. For example, if you have a 13-year-old roof; your insurance may only pay a percentage of the costs to replace your roof. If your roof is over 20 years old, you will have very limited coverage; if any. At that point most of the damage will fall under general wear and tear given the age of your roof.
What Are The Signs That I May Need A New Roof or Repairs?
There are some general things to look out for when it comes to damage of your roof and looking at your insurance to pay for a new roof.
Water Damage: This is easiest to see from the inside. Start looking in at your ceilings for cracked paint or discoloring. In your attic, look for discolored, moldy, or wet insulation.
Flashing: Check your flashing in your attic, vents, skylights, chimney. There should be no cracks or breaks for a clean seal.
Siding: Check your siding for openings, wholes, damage, etc. This is the first defense to the outside weather, without it; it will lead to major damage over time.
Venting: Your roofing ventilation should be clear and properly sealed. This can lead to water damage overtime.
Shingles: Look for missing, damaged, old, worn out shingles.
Gutters: Always make sure these are clear, but if they are sagging, falling off, disconnected from your downspout: you may have some water damage or potential water problems in the future.
You should check up on these regularly to make sure you keep up on your maintenance, and after any storms. If damage related to these items is found after a storm, it is worth looking into getting your insurance to pay for your repairs and replacements related to your new roof & siding.
Document Your Roof Damage & Get A Professional Opinion
We initially talked about documentation in the beginning of this. Before pictures are extremely helpful in the case of trying to file an insurance claim to pay for your new roof or repairs. But documentation of the actual damage is extremely important, as this is what the insurance is going to want to see and evaluate. You can make documentation of the damage yourself, but a professional opinion is always going to be more valuable to the insurance company. Luckily we offer free inspections to help guide you through this process. Connect with us here to learn more about our insurance process and schedule a free inspection!
We take the time to guide your through the process. Target Roofing is an insurance specialist through and through. We have done hundreds of claims residential and commercial. At Target we know the process in and out, and will do the hard work of dealing with the insurance. We look forward to getting to know you, and getting your insurance to pay for a new roof.