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Did You Know Your Insurance Can Pay For Your Roof Replacement?

Replacing a roof can be a costly and tiring process, but if a roof is damaged by hail, high winds or water and has failed to stand the test of time, there is usually no option other than repair and replacement.

Knowledge is power, especially when it comes to your insurance policies. When you have damage that requires immediate resolution, contact us immediately to help guide you through the claims process.

There are stipulations in policies that if you wait too long, the replacement becomes null and void. Be sure to be clear in the details you provide provide your company so that they can have a better understanding on your viable coverage. Documentation of actual damage will speed up processing a claim.

In most states, there are two types of coverage: Repair coverage and replacement coverage. Replacement policies are more common, but more costly. Replacement coverage allows for returning the roof to a brand new condition through your insurance policy. Repair coverage usually takes into consideration depreciation of the roof; meaning you'll only get a percentage of the replacement cost based on the roof’s material and age. It could be as low as 15% for a roof near the end of its service life.

*When it comes to an aging roof, your policy may only cover a portion based on the loss of value on your roof. A roof that is newer (10 years or less) is fully covered for repair or replacement on sections of the roof that have been damaged.

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