A typical all-perils homeowner’s insurance policy covers your roofing system and the cost of replacing it if it’s damaged by a violent storm. However, your insurance provider will only cover the cost of repair or replacement if the damage results from a sudden accident or Acts of God. Problems ensuing from general wear and tear or a roof which has surpassed its useful lifespan are not eligible for reimbursement.
Here are some common scenarios to determine whether your homeowner’s insurance will cover the cost of roof repair or replacement if a storm damages your roof:
How the Damage Happened
The first thing insurance companies look at before honoring a claim is how the damage happened. Was it a storm, strong winds or rain, or a poorly installed roof? If the leak or damage is because of flaws in the installation, that is a warranty issue, not an insurance issue. Always go through the fine prints of your roof’s warranty to understand what is covered and what isn’t.
Many homeowners often discover at the last minute their warranty coverage is limited to manufacturer defects and flaws in the installation process. Many warranties often don’t cover damages emanating from weather elements regardless of how soon the damage occurs after the installation of the new roof.
Generally, homeowner’s insurance covers damages caused by forces of nature such as strong, gusty winds doing serious damage to your roof and resulting in missing shingles. In such cases, most home insurance policies will cover the damage.
Other than Mother Nature inflicting direct damage, she can also trigger various sorts of havoc—like high winds toppling a tree onto your roof. There could also be wildfires or other more unlikely incidents, like an object crashing down on the roof from above. It could even be debris from an explosion or aircraft.
Fortunately, the roof is an integral part of your home’s structure, so the dwelling coverage section of your policy typically protects you from such perils, either fully or partially. However, coverage is often curtailed for roofing systems more than 20 years old. Insurance companies may only cover for their actual cash value but not their current replacement costs.
The Extent of Damage
Next, your insurance provider will determine how great the damage is. Is there only one area damaged, or are you looking at a full roof replacement? If there is only slight damage, look at your deductible and see how it compares to the overall cost of repair. If the cost of repair is equivalent to or lower than your deductible, it often doesn’t make sense to file the claim in the first place.
Note you’ll still have to pay your deductible before your insurance coverage kicks in. Some policies, particularly those written in high-risk regions, impose a higher deductible for damages from hail storms or hurricanes. If you wish to protect your property from such perils, you may have to purchase additional coverage or invest in a separate policy.
Either way, insurance companies will generally try to repair the damage rather than replace the whole roof. They will first strive to find shingles which match your existing roof and replace only the damaged or missing shingles. Sometimes, depending on the extent of damage and the terms outlined in your policy, your insurer may replace your entire roof if they deem it necessary.
Working with a Reliable Local Roofer Can Help!
Finally, working with a reliable and local roofer to repair or replace your roof after storm damage can take away some stress. Established roofing contractors will be happy to work with your insurance provider and won’t ask for full payment upfront.
Moreover, a trusted roofer will help you through the insurance claim process. They will help you put together important details about the damage to ensure your claim goes as smoothly as possible. For example, your roofer can provide your roof’s before and after pictures to help your insurer determine if the roof was in the best shape possible before the storm.
Alan’s Roofing Can Help!
Did a violent storm wreak havoc in your area and damaged your roof? Alan’s Roofing is an expert roofing contractor who takes the time to meticulously inspect your roof and tailor a solution which suits your lifestyle and finances. After assessing your roof, we will work with your insurance provider to work out the right compensation which will restore your roof to its original shape.
We bring trust and peace of mind to every roof in Central Florida. Contact us today to schedule a free in-home consultation with one of our experienced roofing specialists and get expert answers to every roofing question.