When your roof needs to be replaced, one of the most common questions that homeowners ask is if their homeowner’s insurance will cover the cost of a new roof. Covering the cost of a new roof can help lift the burden off your shoulders and make the roof replacement process happen much faster. Homeowners insurance will cover a lot of different things for your home, including some damage from weather or natural disasters. Here are some common questions that come after asking if homeowner’s insurance will cover the cost of your new roof.
Kanga Roof will work with many homeowners to help improve their roofs. Working with a professional roofing company that will work directly with your insurance takes that worry off your shoulders. Our team can complete your project quickly and efficiently.
What Kind Of Roof Damage Is Covered?
Your insurance policy will list the damages that they protect against and will list what you can file an insurance claim for. Some common occurrences that are covered by insurance include:
- Wind and hail
- Lightning
- Fire and smoke
- Weight of snow or ice
- Objects falling on your home
- Vandalism
Other items like normal aging, neglect, rotting, and mold will not be covered by homeowners insurance. If your roof needs to be replaced because of weather damage or materials that are still under warranty, it may be covered, but if the roof is old or has been ripped off from a tornado, your insurance may not help you will the financial burdens.
Do I Have To Pay A Deductible?
You will have to pay your deductible before they replace your roof. Luckily, the deductible for your roof should be the same as the overall deductible that comes with the rest of your policy. Some insurance companies will set different deductibles for different damages, especially if you live in an area with frequent hurricanes, tornadoes, or earthquakes.
For those who don’t know what a deductible is, it involves paying a percentage of the cost to your insurance and then having them cover the rest of the roofing cost. Your insurance will only cover a project that is under the price of your policy.
Review Your Insurance Before Filing A Claim
Looking through your homeowner’s insurance before filing a claim will help you ensure that the claim will be approved. Make sure that the damage is covered, your insurance policy is up to date, and you follow and stipulations that are needed to follow the claim. Filling an insurance claim usually requires you to submit photos of the damage, the age of the home and materials that are damaged, and an estimate to repair the roof.
Reviewing your policy will also help you to know if your insurance rates will go up if you have them cover the repairs. You should determine if the repairs will increase your deductible and if the added cost is worth it for the future.
Can An Insurance Company Make You Replace Your Roof?
When your roof is in poor shape, your insurance can make you replace it. After implementing insurance they may send out an inspector to make sure that the roof is holding up or if the materials or the entire roof needs to be replaced. Once the insurance company gives you a timeline to replace the roof, you will need to meet it or they will cancel your insurance policy.
Will Homeowners Insurance Cover An Old Roof?
The answer is, it depends. If your roof is 15 years old, homeowners insurance may cover the cost to replace it, depending on the material’s deterioration. 20-year-old roofs may not be covered when it comes to replacement and will usually require you to talk with an agent to have the roof inspected. Because your roof is older, the replacement may fall under normal wear and tear.
Hire A Professional Roofing Contractor
RW Design helps families in Utah have more stable roofs and keep their homes comfortable. You get a personal touch when you hire our team and quality workmanship. Replacing or repairing your roof will give you peace of mind about the comfortability of your home and protect you from leaks and other weather conditions. Reach out to Kanga Roof to get a safer and neater home, today!
