Will The Insurance Company Replace My Roof?

What is one characteristic of your home you're not looking forward to replacing? Is it the roof? This is one area most homeowners don't want to deal with. That is why during the buying process, a great emphasis is put on the age of the roof and its condition. If this was you during the buying process, and it's been several years now, you may be starting to wonder if it's time to replace your roof. There are other instances that could occur that may lead you to roof replacement. Let's take a look at some of the things you should know about your insurance company and roof replacement.

Your insurance will look at the reason for the roof replacement. This is a huge factor as to whether or not they will pay. If the damages are due to old age, it's likely they will deny your claim. However, if your roof was in relatively good condition and was hit by a storm, they may be more obligated to pick.

One question to ask yourself is whether or not your roof is passive prime. Your insurance company may take this as a sign that the damage could have been prevented if you had taken the necessary steps to replace your roof in a timely fashion. If you were simply trying to ride out having to replace your roof and place the blame on a storm, you might be held liable to replace your own roof.

Some insurance companies won’t cover ‘cosmetic damage.’ These would be instances where a storm has nicked your shingles, causing no water leaks and only minor wear. The insurance might say that you don’t even need repairs, let alone Roof Installation Services. Be aware that the severity of damage will directly play a role in whether or not your insurance company will payout. The severity of damage can include a sagging roof, torn-off shingles, whole sides of your roof missing, or even a tree collapsing. If any of these things have occurred, your insurance company may cover it as long as it's part of your coverage. The good news is that most homeowners' insurance policies do cover roof replacement.

If you recognize signs of damage to your roof, it's best to get it fixed sooner rather than later. A leaky roof can cost thousands of dollars of water damage and even destroy your roof. If you're found at fault, your insurance may not cover it anyway.