How to Get Insurance to Pay for Roof Replacement

by | Mar 25, 2024 | Roof Problems, Roof Replacement | 0 comments

A damaged roof can leave you feeling exposed and vulnerable. More importantly, it can be a very expensive affair for your wallet. The good news is that roof insurance exists, and it comes in handy on rainy days. 

But does homeowners insurance cover roof replacement? Yes, it does. However, getting insurance to pay for a roof replacement can be a complex process. Either you may not have the right approach or your insurance provider might just find loopholes so that they don’t have to cover you. 

 In either case, it is possible to navigate the system successfully. Here’s a guide to help you through the process.

Review Your Insurance Policy

Start by reviewing your homeowner’s insurance policy to understand what is covered and what is not. Look for information about roof damage coverage, including any exclusions or limitations. Understanding your policy will help determine if your roof damage is eligible for coverage.

In addition, call your insurance agent and clarify your specific coverage for roof replacement. They can also advise on any deductibles (the portion you pay before insurance kicks in) that might apply, so you will have a clearer picture of how much you should be expecting to spend.  

Assess the Damage and Document Everything

Before contacting your insurance company, assess the damage to your roof on your own. But safety first! Don’t risk climbing onto a damaged roof. Instead, conduct a visual inspection from the ground. 

Document the extent of the damage with photographs and notes. Make sure to capture details such as missing shingles, leaks, or structural issues. This documentation will be crucial when filing a claim with your insurance provider. The more evidence you have, the stronger your case.

File Your Claim

Most insurance companies allow online or phone claims. This is when you should be prepared to provide details like the date of damage, cause (if known), and any documentation you collected.

Be truthful and transparent. Don’t try to exaggerate the damage or fabricate a cause not covered by your policy. Honesty can help build trust and strengthen your claim.

The Wait and the Adjuster

Once you file your claim, your insurance company will send an adjuster to inspect the damage. This might take some time, so be patient.

Cooperate with the adjuster. Allow them access to your property and answer their questions honestly. The adjuster’s report will determine the extent of the damage and the estimated repair cost.

Get Estimates

After the inspection, you should get estimates from reputable roofing contractors for the cost of repairs or replacement. Provide these estimates to your insurance company as part of your claim. Be sure to choose contractors who are experienced in working with insurance companies and who can provide detailed, accurate estimates.

Be Patient During the Negotiation

If you are wondering how often will insurance pay for a new roof, this stage is where the making or breaking of your case occurs. It may happen that the adjuster’s estimate might not cover the full cost of a replacement. So, if there is a gap, you can negotiate. This is why it is so important to gather quotes from reputable roofing contractors to show the adjuster the average market cost for repairs.

Remember that negotiation requires a calm and professional approach. We advise focusing on facts and being prepared to justify your position when you cross that bridge. 

Finalize the Claim

Once you reach an agreement with your insurance company, finalize the claim and schedule the roof replacement. Make sure to follow any additional requirements or procedures outlined by your insurance provider. Keep records of all communication and documentation related to the claim for your records so that you can refer to them at a later time. 

Approval and Repairs

Once your claim is approved, you will receive a payout or have the repairs directly paid to your chosen roofing contractor (depending on your policy). When that happens: 

  • Don’t rush into repairs: Use the approved funds wisely and choose a licensed and insured contractor with a good reputation. High Ridge Roofing & Construction, LLC is a full service licensed general contractor based in Springfield, Oregon. We are certified Malarkey residential roof installers, which means we employ qualified installers for your roof replacement job and quality materials, while ensuring our clients are safe and protected throughout.   
  • Keep Records: Maintain copies of all paperwork related to the claim, adjuster reports, and repair invoices.

Do bear in mind that while insurance is there to help, it is not always a smooth ride. You can increase your chances of getting your roof replacement covered and keeping your home protected from the elements by being prepared, informed, and patient. Get in touch with our licensed roofing experts to fix your damaged roof right away.

Frequently Asked Questions

Q:- Should you let your insurance company know you got a new roof?

Ans:- Yes, it’s important to inform your insurance company about a new roof, as it may affect your coverage or premiums. Providing documentation of the installation can help ensure you have appropriate coverage.

Q:- Does replacing roof increase value home?

Ans:- Yes, replacing a roof can increase the value of your home by improving its curb appeal, energy efficiency, and structural integrity, which are factors that homebuyers often consider when making purchasing decisions.

Q:- How many shingles need to be missing for insurance?

Ans:- The number of missing shingles required for an insurance claim varies depending on your policy and insurance provider. Typically, significant damage or a substantial number of missing shingles may warrant a claim

Q:- Can a roof be too old for insurance?

Ans:- Yes, insurance companies may refuse coverage or require additional inspections for roofs that are too old, typically around 20-25 years, due to increased risk of damage and deterioration.


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