Does my home insurance cover my roof repair?

by robbinsroofinginc on March 7, 2012

If you’re a homeowner considering having your roof repaired or replaced, the only way to really answer this question is to closely examine your Homeowner’s Insurance Policy. Read carefully to see what kinds of roof damages and costs your insurers are willing to cover—and which ones they’re not. Don’t hesitate to call your agent or representative to ask questions, particularly if anything is not clear to you.

Most homeowner’s insurance policies typically cover repairing leaks and related damages, but they may not cover replacing the entire roof in these instances. Any upgrades, such as changes in materials or extensive cosmetic roof repair usually will not be covered by your homeowner’s insurance. Some homeowner’s insurance policies actually contain exclusions for certain materials, with most requiring proven, long-lasting and fire-resistant roofing. In these cases, your policy will only cover roofing repairs if you choose materials they approve of.

While you should absolutely review the language in your homeowners’ policy, the best thing you can do is call your insurance agency directly to discuss any roofing repairs you’re considering having done. In particular, you’ll want to be sure you address with them any damages your roof has sustained due to inclement weather. Many insurance companies request photos of roof damage so they can accurately assess the value they can allot you according to your policy. Many insurance agencies even require that they send out their own independent assessor to examine your roof and write a report detailing what they will cover.

As a general rule of thumb: The older the roof, the lower the amount that the insurance company will be willing to pay. Catastrophic events which cause property damage—such as fire, a tree falling, a lightning strike, strong storms and hail—will typically be the catalyst for you to set things in motion with your insurance company. But before you schedule any work on your roof, be sure that you first contact your insurance company. You don’t want to have expensive work done that you believed was necessary, only to learn later that your policy doesn’t cover it.

Robbins Roofing and Construction works together with homeowners and with their insurance providers to make sure that all parties involved are satisfied with the materials used and with the finished product. With over 60 years of experience, we understand that situations come up that you could never have planned for. Even if you need repairs or replacement that your insurance won’t cover, we’ll work with you to help you come up with a financing plan that will work within your budget.

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