Your insurance company will pay for sudden and accidental damage to your home due to a covered hazard. An old, worn roof is not a covered hazard. Yes, insurance will cover a new roof under the right circumstances. For your insurance company to replace your roof, your roof must be damaged by extreme weather conditions during storms. Home insurance can pay for roof repair or replacement if it is damaged due to a covered hazard, such as hail, wind, or fire.
Homeowners insurance generally doesn't cover roof damage caused by wear and tear, neglect, animals, floods, or earthquakes. If your roof suffered structural damage from a covered hazard, such as a windstorm or hail, your homeowners insurance may cover the cost of replacing it up to the limit of your policy and less any deductible. Your homeowners insurance may cover roof damage depending on your policy's housing coverage, minus your deductible, if it was caused by a covered hazard, such as a windstorm or fire. Once you have completed the work and have proven that it was done according to the insurance claim, the insurance company sends a second check that covers most or the rest of the cost. Ongoing roof maintenance is crucial not only to maintaining your roof, but also to taking advantage of the financial protection offered by your home insurance.
For example, if your roof is leaking or damaged due to covered hazards, such as hail, a snowstorm, a falling tree branch, wind, or fire, the insurance company will usually step in to pay for the repair or replacement up to the limits of your coverage (as long as your policy has no exclusions regarding the roof). If you live in an area that is frequently hit by hurricanes or tornados, your insurance may not cover wind or hail damage to your roof. For more than 30 years, the Bill Ragan Roofing team has guided and assisted homeowners through the insurance claim process for damage to the roof. If your belongings are also damaged, such as furniture, appliances and clothing, your personal property coverage may pay for the repair or replacement of those items.
I understand that it's tempting to save money whenever you can, but it's not worth committing fraud if a roofing company pays your deductible. With 30 years of experience working on insurance claims, insurance companies listen to policy owners much better than roofing companies. If your roof was damaged by something covered by your homeowners insurance policy, an insurance company will likely help you with repairs or replacement. That's why I'll help you get started by helping you understand if insurance will cover your new roof and more.
They have all the power and are the only ones who can determine if your roof deserves a complete replacement. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as approval of coverage, premiums, fees and charges) and policy obligations are the sole responsibility of the underwriting insurer. Home coverage can also cover the costs of repairing roofs and walls if the loss also causes damage to the interior. This is one of the biggest scams in the roofing industry and you should NEVER consider having a roofer pay your deductible.
