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Will My Homeowners Insurance Policy Replace My Roof?

By November 5, 2022No Comments

There’s nothing quite like the peace of mind that comes with knowing your home is covered by a homeowners insurance policy. But what does that coverage actually entail? When it comes to one of the most critical parts of your home—the roof—you might be surprised to learn that most policies won’t cover every type of roof damage. In this post, we’ll give you the lowdown on what homeowners insurance covers when it comes to roof replacement.

However, you might be surprised to learn most policies won’t pay to replace or repair a roof that’s gradually deteriorating due to wear and tear or neglect. So, if you have an old roof that needs to be replaced, you probably won’t be able to file a claim with your insurance company. That said, it’s always a good idea to stay up-to-date on the condition of your roof and make any necessary repairs in a timely manner to avoid any potential problems down the road.

Age can be a huge factor affecting whether or not your roof damage is covered by insurance. Many policies have age limits for roofs, and roofs that are over 20 years old often have limited coverage, if any. So, if you’re thinking about filing a claim for an older roof, you’ll need to check with your insurance company first to see what coverage is available.

How To File A Roof Claim 

If you need to file a homeowners insurance claim for roof damage, there are a few things you’ll need to do to ensure approval of your claim. First, it’s crucial that you notify your insurance company as soon as possible after the damage occurs. This will help document the loss date and could speed up the claims process.

Second, you’ll need to provide records of repairs, before-and-after photos, and inspection reports for your claim to be approved. If you don’t have these items on hand, your insurance company may deny your claim or delay payment until they can obtain them.

Difference in Conditions Insurance - Close-up of the Roof of a House That Has Collapsed under Blue Sky with Clouds on a Sunny Day

If you’re wondering whether or not your homeowner’s insurance policy will cover roof replacement, the answer isn’t always cut and dry. Most policies will cover damage caused by an act of nature or sudden accidental event, but gradual wear-and-tear or neglect is typically not covered.

Additionally, many policies have age limits for roofs, so older roofs may not be fully covered by insurance. To ensure approval of your claim, be sure to keep records of repairs, before-and-after photos, and reports from inspections handy and notify your insurance company promptly when damage occurs.

If you’ve got any questions about your current coverages, schedule a call with our team at the link below. Even if you’re not a current client!A few things about roof damage insurance claims.

  • Homeowners’ insurance policies typically cover roof replacement if the damage is the result of an act of nature or a sudden accidental event.
  • Most policies won’t pay to replace or repair a roof that’s gradually deteriorating due to wear and tear or neglect.
  • Age is another factor that can affect whether or not your roof damage is covered by insurance. Many policies have age limits for roofs, and roofs over 20 years old often have limited coverage, if any.
  • If you need to file a homeowners insurance claim for roof damage, there are a few things you’ll need to do: notify your company as soon as possible after the damage occurs and provide records of repairs, before-and-after photos, and reports from inspections.

If you still have questions about your roof coverage, feel free to schedule a call or import your current policies below for a full review (even if you’re not a client, YET) using the buttons below.

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