It can cost you a lot of money to replace your roof. However, most homeowner’s insurance policies include coverage for roof damage, which reduces or eliminates out-of-pocket expenses. However, the unfortunate reality of filing a claim for roof replacement is that most agencies will look for ways to avoid paying clients.
Insurance agencies are for-profit companies. For many people, dealing with insurance companies is frustrating and overwhelming. If you want to know how to get insurance to pay for roof replacement, keep reading.
How Roof Insurance Works
Your home’s roof is its most vital feature. The roofing system protects the building’s interior from exposure to the elements, from extreme temperatures to heavy rain.
Because the roof is vital to your home’s structural integrity, insurance agencies typically include protections via dwelling coverage. Damage from natural weather events and other specific events usually qualifies for protection.
This protection falls into two categories:
- Roof repair coverage: Insurance companies will consider the roof’s material and age to determine your expected roof replacement cost.
- Roof replacement coverage: These policies tend to cost more. However, they provide enough coverage to return a damaged roof to brand-new conditions.
If you’re unsure about your roof’s coverage, speak with your insurance agent. They can break down your policy’s details and explain what the insurance company will pay for under specific circumstances.
You can also seek advice from an experienced roofing contractor. These professionals frequently deal with insurance claims for roof replacement and repair. So, they can advise you on correctly filing a claim, if not completing the majority of the process for you.
How to Get Insurance to Pay for Your Roof Replacement
1. Hire a Roof Contractor
If you don’t know how to get insurance to pay for roof replacement, you might assume the first step is to contact your agency. However, you should find a reputable roof contractor first. After years in the industry, top-rated roofing companies likely have experience dealing with insurance claims.
Roofers can evaluate your homeowner’s insurance policy and help you understand the often complex language included in the document. They will also check the coverage to determine if it requires the immediate covering of a damaged roof. Their team can quickly handle this service.
By hiring a skilled roofer, you can minimize the risk of secondary damage that insurance companies often deny.
2. File a Claim to Cover Roof Replacement Cost
You should file an insurance claim for roof replacement within 30 to 60 days. Not adhering to the claims deadline in your policy could result in an automatic denial of reimbursement. The sooner you submit the claim, the faster the agency responds to it and pays for essential services.
3. Schedule a Roof Inspection
Once the insurance agency starts processing your claim, they will send an insurance adjuster to assess your roof’s damage. An adjuster works for the agency. As such, they usually act in the best interests of their employer, not policyholders.
You must ensure that your insurance company validates your claim. To achieve this goal, contact an independent roofer to document your roof damage. They can determine if your roof has a proper installation without inferior roofing materials.
Roofers can also document the attic’s ventilation, structural damage, and other issues that typically prompt an insurance company to deny a claim.
4. Receive a Written Roof Evaluation
Obtain a written assessment from your independent roofing contractor. The paperwork from the inspection should outline the problems with the roof and their causes. A credible report will help you obtain sufficient compensation for your high-quality roof replacement.
Steps You Can Take to Avoid Roof Problems
You must maintain your roof and keep it in good condition to avoid issues with future insurance claims. Regularly schedule inspections and get roof repair at the earliest signs of trouble.
You should also consider roofing materials for your roof replacement. For instance, metal roofing usually costs more than asphalt. However, you’ll likely have fewer repairs and damage with the former than with the latter.
Why Choose H&A Roofing as Your Go-To Roofing Contractor?
Now that you know how to get insurance to pay for roof replacement, trust the best roof contractor serving Austin, TX and surrounding areas. H&A Roofing LLC is the go-to roofing company offering superior repairs, replacements, and installations. As a fully licensed, bonded, and insured company, we have years of experience helping clients navigate the insurance claims process.
We boast an A+ rating from the Better Business Bureau, thanks to our roofing expertise and exceptional customer service. Experience our excellence for yourself by contacting us today to schedule a consultation!