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Does Your Insurance Cover Roof Replacement? [Flow Chart]

6 min read

January 4, 2024

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Clean Cut

If you’re like most of us, you probably don’t spend a lot of time thinking about your home insurance until you need it. And when it comes to your roof, that moment might come sooner than you think. So, let’s get down to brass tacks and answer the million-dollar question: Does homeowners insurance cover roof replacement

Read further if you’re planning on getting a new roof.

Here’s what we’ll share in this blog:

  • What’s typically covered by homeowners insurance for a roof replacement
  • The 4 key factors that influence roof replacement coverage
  • Common roof replacement questions that homeowners have

Make sure you stay in the know when it comes to handling insurance claims for roof replacements, so you can avoid the headache and get your new roof faster! Read on so you can be prepared the next time you find yourself in need of a roof replacement.

Breaking Down Roof Replacement Coverage

Before we dive into the specifics, let’s start with the basics. Homeowners insurance typically covers damage to your home caused by specific perils, which often include the following (and usually more!):

  • Fire
  • Windstorm or hail
  • Lightning
  • Falling objects
  • Weight of snow, ice, or sleet
  • Frozen plumbing
  • Explosion
  • Theft
  • Vandalism

So, if your roof gets damaged due to one of these covered perils, you might be in luck. But hold onto your roofing nails; it’s not always as straightforward as it seems.

When Does Insurance Cover Roof Replacement? 4 Factors

Whether your insurance will cover a roof replacement depends on 4 key factors:

1. Cause of Damage

Your policy will specify which perils are covered. If your roof damage is due to a covered peril, you’re on the right track.

2. Age and Condition 

Insurance companies often consider the age and condition of your roof. If your roof was already on its last leg or if it was past its expected lifespan, you might have a tougher time making a claim.

3. Maintenance and Wear-and-Tear

If your insurance company finds that the damage is a result of neglect or lack of maintenance, your claim might be denied.

4. Deductible

Don’t forget about your deductible. You’ll have to pay that amount out of pocket before your insurance kicks in.

Types of Roof Damage That May Be Covered

Now, let’s break it down further. What types of roof damage might your insurance cover? Here are some common scenarios:

  • Hail Damage 🌨️: If a hailstorm pummels your roof, leaving dents and damage, you likely have a valid claim.
  • Wind Damage 🌬️: High winds can rip shingles off your roof or even cause structural damage. Again, this is usually covered.
  • Fire Damage 🔥: If your roof is damaged in a fire, you’re typically covered.
  • Fallen Tree/Branch 🌳: If a tree falls on your roof during a storm, it’s usually covered.
  • Ice Dams 🧊: In colder climates, ice dams can wreak havoc on your roof. Depending on the circumstances, this might be covered.

Roof Replacement Coverage Limits

Just a heads-up, even if your insurance is on board for a roof replacement, there could be some limits to what they’re willing to shell out. Because here’s the deal: Insurance companies often use two valuation methods.

The first one is “Actual Cash Value.” This one takes into account depreciation, so if your roof is on the older side, you might not get as much in return.

Now, the second option is the “Replacement Cost Value.” This is the better option most of the time because it covers the full cost of swapping out your roof with similar materials, without caring about depreciation. So, if you’re aiming for a full roof restoration, this is the way to go!

When Insurance May Not Cover Roof Replacement

Now, for the not-so-fun part – situations where insurance typically won’t cover roof replacement:

  • Neglect: If you’ve neglected proper roof maintenance and that’s contributed to the damage, you might be out of luck.
  • Age and Wear: As mentioned earlier, if your roof is simply old and worn out, your insurance may not cover it.
  • Cosmetic Damage: If your roof only has cosmetic damage that doesn’t affect its function, insurance may not step in.

How to Make a Roof Replacement Claim 📜

If you believe you have a valid claim for roof replacement, here’s a general guide on what to do: First, assess the damage by documenting it with photographs and notes. Next, contact your insurance company promptly as they will guide you through the claims process. Typically, your insurance company will send an adjuster to assess the damage and determine coverage. 

It’s also a good idea to obtain estimates from roofing contractors for the repair or replacement. Take some time to review your insurance policy, including coverage limits and deductibles, to understand what to expect. Lastly, stay in touch with your insurance company throughout the claims process to ensure everything progresses smoothly.

Insurance Claims for Roof Repair vs. Replacement

Sometimes, roof damage may not warrant a full replacement. In such cases, you might be looking at a repair rather than a replacement. Insurance companies often handle roof repairs differently:

  • Roof Repair: If the damage is minor or limited to a specific area, your insurance may opt to pay for a repair rather than a full replacement.
  • Coverage: Coverage for repairs may depend on the cause of damage, your deductible, and your policy’s terms.

Common Roof Replacement Questions 🤔

Let’s tackle some common questions about roof replacement and insurance coverage:

What should I do if I suspect roof damage? If you think your roof has been damaged, start by documenting the damage with photos and notes. Then, contact your insurance company to initiate a claim.

Will insurance cover the full cost of roof replacement? It depends on your policy. Some policies cover the full replacement cost, while others factor in depreciation.

How can I prevent my claim from being denied? Regular roof maintenance and prompt repairs are key. Neglecting your roof can lead to claim denials.

What if my roof is old? If your roof was already nearing the end of its lifespan, insurance may cover less of the replacement cost.

Is it worth filing a claim for minor damage? Consider your deductible and the potential impact on your premiums before filing a claim for minor damage.

Stay in-the-Know with Your Insurance

So, there you have it – the lowdown on: Does homeowners insurance cover roof replacement? It’s not a simple yes or no, but it’s essential to understand your policy, its limitations, and the factors that influence coverage. Remember, when in doubt, consult with your insurance provider or our roofing professionals at Clean Cut to assess the extent of the damage and explore your options. Stay informed and keep that roof over your head in tip-top shape!

Click here now to contact our pro roofers today and ask any questions or get a free estimate for your new roof!

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