When storm damage occurs, many homeowners will have to get a new roof. Since most homeowners have insurance, they wonder if it covers the cost of the new roof. There are times when this can be done, and there are times when the insurance company will not pay for a new roof. Understanding when you can get insurance to pay for your roof, and what the insurance companies require, can make your process much easier.
The Answer of How to Get Insurance to Pay
Roof replacement insurance is a bit counterintuitive. That is, the easiest thing to determine is when the insurance company will not pay for roof replacement.
An insurance company is not the same as a warranty on your roof. The roof on your home has a life. An asphalt shingle roof will last between 15 and 20 years before problems start to arise. The insurance company will not pay to replace a roof simply because it is old and needs to be replaced.
The insurance company will also look for the lowest cost option to protect your home. If the roof is damaged, they may choose to pay for repair instead of new roof replacement. They will make a determination of what they will pay for, and that’s what the homeowner will have to live with it.
When Insurance Will Pay For A Home’s Roof
If the roof has been damaged due to a natural disaster or some type of accident, the insurance company may pay to replace or repair the roof. Damaged caused by hail, storms, wind and falling trees are typically covered by Texas property damage adjusters. The insurance company will usually send out someone to inspect the damage and to determine whether the roof needs to be replaced or repaired.
What Texas Homeowners Should Expect
If the insurance company does agree to pay for a new roof or to fix a damaged roof, the homeowner needs to make sure they follow certain guidelines to get paid.
It is best to find a roofing contractor who’s familiar with working with insurance companies. Texas Star contractors know the steps to make sure the cost of your roof repair or replacement is covered, and that you’re paid in a timely fashion by the insurance company.
Some of the things you can do so you don’t have to worry whether your company will approve roof damage claims (because they will) includes:
- Providing a diagram of the roof and the damage on the roof.
- Providing a complete estimate of all of the costs that are involved. The best contractors will also be able to work with the insurance company to get as much as they can to do the job the right way.
- Providing a consultant to act as a go-between. This person will be able to work with the homeowner and the insurance company to make sure the job is completed quickly and properly.
Insurance companies are always trying to limit the amount of claims they pay out. In the case of getting a roof paid for by an insurance company, you should make sure to have advocate like Texas Star Roofing on your side, to ensure you get as much as you can, and to limit the amount you’ll have to pay out of pocket.
We hope you enjoyed our article on the roof damage claim process. If you need our professional assistance, please don’t hesitate to contact us with your inquiries & requests.