When you have significant roof damage, replacement is often the best option. But your homeowner’s insurance won’t cover everything. How do you know what homeowners insurance will cover? And how can you get the most out of your policy? Documenting damage and working with a qualified roofing contractor who knows the ins and outs of insurance claims are two critical steps in getting your replacement covered.
What Does Insurance Cover (and Not Cover) When it Comes to Your Roof?
Homeowners’ insurance generally covers damage from the elements and forces of nature. This includes wind, fire, hail, falling trees and debris. It often doesn’t cover the following:
- Lack of maintenance or wear and tear.
- Rot, mold or mildew.
- Age-related deterioration.
If your roof is at the end of its lifespan, it may be time to budget for a replacement. Replacing an aging roof isn’t cheap, but it’s a worthwhile investment. However, if your aging roof is damaged by the elements, you can often get coverage if you file the claim correctly. An experienced professional roofing company can help you file the claim for maximum coverage. Remember, if your roof is over 20 years old, your insurance company may not renew your coverage without an inspection.
Will My Insurance Policy Cover Siding and Shingles?
Your homeowner’s insurance will usually cover external damage to siding, shingles and soffits. However, as with your roof, rot and wear and tear aren’t covered. Your policy will cover repair or partial replacement for shingles and siding, so finding a match can be challenging. If you can’t find a match, some insurance companies will pay to have it all replaced, as they want to avoid a patchwork roof.
How Can I Get Maximum Insurance Coverage for My Roof Replacement?
Choosing a qualified roofer with a proven track record of working with insurance companies is a must. Some other tips for ensuring maximum coverage include:
- Read your insurance policy carefully and be aware of the terms.
- Document damage and submit your claim promptly.
- Take photographs and make notes on weather events and conditions.
- Have your roofing company prepare a comprehensive estimate for replacement.
- Have your roofing contractor complete a walk-through with the claims adjuster.
When you choose a roofing contractor, you’re choosing an experienced team of tradespeople. Remember that, the administrative team behind the experts on the ground is also essential. At DryHome Roofing & Siding, part of our job is to walk you through the insurance claims process. Hiring the right roofing contractor reduces the burden on the homeowner and increases your chances of getting full coverage. DryHome sends an expert technician who takes digital photos and reviews the damage with you. We’ll provide an estimate for replacement or repair and meet with the adjuster to ensure they catch everything. We can help you get what you’re entitled to through insurance and prevent further damage down the road. If you have questions about roof damage, a DryHome inspection is the best place to start.