Resources
The Process of Insurance Approval for Roof Replacement
Roof replacement can be an expensive and stressful process.
However, if your roof is damaged because of hail or wind or other natural disaster, and isn’t able to withstand the severe conditions, the next step is figuring out what is covered under your homeowner’s insurance policy. Insurance payments that cover roof replacement is dependent on the kind of roof that you use and the type of damage that has occurred.
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Claim Scrutiny
It does not matter the type of roofing material that you have, insurance companies will always scrutinize every claim for roof replacement and expects the homeowner to provide extensive documentation, including before & after images to help justify a claim for roof replacement. If you would like to understand the particulars of whether your roof replacement is covered under your insurance policy, you will have to examine your policy before filing a claim. We can help with the inspection and provide detailed documentation.
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Beyond The 10 Year Mark
If your roof is over 10-years old, homeowners may be reimbursed on the depreciated value of their roof. So, your insurance company may provide a decreased value on your roof before the storm damage occurred.
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Depreciated Value
Some insurance policies only provide coverage on the roof’s depreciated value, regardless of age. While some insurance carriers cover homeowners from emergency repairs or replacement no matter the age of the roof – it is important to ask your insurance agent what your policy looks like.
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Inspection and Prompt Reporting
No matter what happened to damage your roof, insurance companies try to dispatch an inspector to investigate and confirm your claim. The inspector will determine whether the damage occurred due to aging, or deteriorating conditions.
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Estimates
Most insurance companies require estimates from licensed roofing contractors, or they can have their own estimators determine the cost. It is important to have proof that the roofing company is licensed and insured, and a detailed and specific estimate in writing for you and your insurance company.
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Material Requirements
Your insurance carrier may require specific roofing materials that adhere to state code specifications. For example, shingles, nails, tiles, and other materials must be able to withstand wind, hail, and natural disaster scenarios.
If your roofing claim is deemed to be legitimate, an inspection will likely be the one to prove it, it is important to have an inspection arranged once the damage has been documented.