Most homeowners insurance policies cover roof replacement if the damage is the result of a natural act or sudden accident. Most homeowners insurance policies don't pay to replace or repair a roof that gradually deteriorates due to wear and tear or negligence. Are you considering filing a homeowners insurance claim for a damaged roof? Homeowners insurance can cover roof repairs if a fallen tree damages it. Your policy may also cover roof damage caused by a fire, hurricane or tornado.
Repairing or replacing a roof can be one of the most expensive aspects you can deal with as a homeowner. Your homeowners insurance is there to pay for roof-related damage, but only for covered hazards, such as damage from bad weather conditions, falling objects or a fire. Generally, your homeowners insurance doesn't cover damage or leaks caused by an old or poorly maintained roof failing. A roof in good condition is more likely to withstand inclement weather and any unexpected events.
That's why it's important to stay on top of maintenance to avoid a bigger problem in the future. The homeowner's insurance portion of your homeowner's insurance covers the structure of the house, including the roof. Homeowners insurance covers the structure of your home, including the cost of roof replacement or repairs if it is suddenly damaged. If your roof is damaged by fire, strong winds, hail, or anything else covered by your policy, you're likely to be reimbursed for a new roof.
An earthquake could also cause the roof structure to separate, the shingles to fall, or even a tree to fall on the roof and damage it. If roof damage is weather-related, your coverage will be determined by the age of the roof and the type of policy you have. If the roof was damaged as a result of any of these covered hazards, the roof is most likely covered by the homeowners insurance policy. If your roofing claim is approved, you will be able to begin working with your chosen contractors to complete the installation of your new roof.
In the second scenario, your insurance company directs you to search for and contact a local roofing contractor to inspect the roof for damage. A reputable roofing company will replace your roof properly without causing further damage or charging you an excessive amount. Since insurance companies generally do not cover claims resulting from preventable damage, insurance adjusters will closely look at the condition and material of the roof should you need to file a roof claim. They will be able to offer proof (if any) to your insurance company that the roof needs to be replaced due to roof damage from recent storms.
If a tornado rips your roof off, for example, you can file a claim with your homeowners insurance, pay your deductible, and then your insurer will apply the remaining costs to replace the roof. Let's say your roof is damaged by fire, hail, or wind; resulting in a leak, in those cases, your homeowner's policy can help pay for roof leak repair. Replacing a roof is expensive, but you may not have many options if your roof is older, doing nothing could make it difficult to secure your home. If the roofing contractor's photographs show signs of roof damage, the insurance company will send an adjuster to do an inspection.
For example, if a roof becomes so old and wears out that it leaks, the homeowners insurance company may even refuse to renew the policy until the homeowner fixes or replaces the roof. If the roof is damaged by a covered hazard, such as fire or bad weather, homeowners insurance will cover roof replacement costs. While this is common, the main reason homeowners insurance doesn't cover roof damage is if your roof wasn't installed properly. They will send an insurance adjuster to inspect roof damage or direct you to call a roofing company for an inspection.