So you need a new roof? Regardless of the circumstances, you might be wondering whether your homeowner’s insurance policy will cover some or all of the replacement.
The answer: It depends.
Specifically, it depends on the reason behind your roof replacement. In this post, we’ll explain the situations where your insurance policy is likely to cover a roof replacement. Here’s a look:
Is My Roof Covered?
If you want to know whether your roof is covered by your homeowner’s insurance policy, it really boils down to one major question: Do you need a new roof because it incurred damage in a storm or weather event?
If you’ve answered “yes” to this question, then there’s a good chance it’s covered – at least partially – after you meet your policy’s deductible. However, there are a few variables that your insurance adjuster will also weigh when it comes down to determining how much your payout is. For instance:
- Age of the roof: Older roofs are more susceptible to damage during inclement weather compared to newer roofs. Noting this, an adjuster may only award a partial amount based on the age and overall condition of the roof.
- Type of roof: Sometimes, homeowners insurance policies make exceptions based on roof types. In other words, the type of roof that you have could dictate your payout amount.
- Overall care and maintenance of the roof: If it was discovered during the claims process that your roof had any sort of damage that left it more susceptible to incurring damage in a storm, you could be looking at a reduced payout amount – especially if an adjuster determines it was from a lack of proper care and maintenance. In some cases, the overall condition of your roof could void the insurance policy.
Other Tips
Here’s a look at some other tips and strategies to ensure you get the highest payout for your roof claim toward a replacement:
- Know your policy: Homeowner’s policies can be confusing, but knowing them, knowing what’s covered, and knowing the circumstances involving coverage can go a long way toward providing clarity and eliminating confusion.
- Document damage: It may take hours or even days for an adjuster to assess your claim following roof damage. That’s where you come in. Take plenty of pictures to document the damage.
Contact Perry Roofing
For more information about your next roof replacement, contact Perry Roofing today.