Getting a new roof can be a scary and daunting task! That is why we are here to help guide you through it. First off we would like to remind you that everyone’s insurance can cover different things. This is a matter of who your insurance provider is, and what level of plan you’re on. Ultimately, you will need to talk to your insurance and most likely file a claim. With that being said, we will walk you through the basics and generalize our advice to where it should apply to every homeowner!
Something to keep in mind is that the roofing company that you work with should ultimately be able to help you with your insurance company. They should be able to help you file your insurance claim and figure out what will be covered by homeowners insurance. At Rooftops Energy Solutions, they can help you with all of these.
Your homeowners insurance SHOULD cover leaks, repairs, and replacements of your roof. There are no guarantees that it will cover every cost, but it should be able to help. Getting a new roof is an expensive cost on a homeowner, and that is why many rely on homeowner insurance to help cover it. Luckily for you, roofs are meant to last around 30 years, and that means this should not be something you have to frequently worry about.
How to Get Insurance to Pay for a Roof Replacement?
First off you are going to want to get a roof contractor out to your house to take a look at your roof. He will be able to assess any roof repairs or if a complete replacement is necessary. Once you had a professional look at it you will want to file a claim with your insurance.
After this you need to await your insurance to respond. If anything else is to come up, the roofing company that you have decided to work with should be able to be in contact with and handle your insurance for the most part. There may be limits on what roofing contractors you can work with through your insurance, so it is good to be mindful of that.
Does Homeowner’s Insurance Cover Roof Leaks?
If there has been damage to your roof after only having it for 15 years or 20 years, then you should only be looking to get a repair. As far as repairs go for insurance purposes, it often matters what caused the damage. If it was storm damage, then your insurance company should cover damages that were made. There are a lot of types of roof damage that can occur, and your insurance company will most likely deal with each of them differently.
This is because things such as natural forces affecting your home are more often to be covered by insurance since they were our of your control. If you just have an older roof that needs to be repaired, it may be harder to get your insurance to cover it. If you just have a lack of maintenance on your roof, it also may be harder to get them to cover that as well.
Will Roof Insurance Cover a 15 Year Old Roof?
This can be a tricky one to get past insurance. Often times, insurance will only want to cover natural disaster expenses instead of a roof just being too old. Depending on your insurance and the type of roof that you have, they may specifically exclude roofs that are over a certain age.
Once again, this should be something that the roofing company that you work with should be able to handle. There is an insurance adjuster that they will understand better, since they have to deal with working with insurance agencies all day long.
The best thing you can do is just talk to your insurance company, and talk to a roofing company. See what each of them can do for you to take it out of your hands. It can be frustrating and confusing to deal with insurance, and that is why you have roofing companies that are willing to help you with it.