New Roofs, Insurance, and You!

How To Get Your Insurance Company To Pay For Your New Roof

If you are a homeowner, and you know that you need to get a new roof but you can afford to do so, there are ways of convincing your insurance company to provide you with this money. This is not the easiest thing to do in the world, but if you do this the right way, it is possible that they will cover not only most of the cost but the entirety of the project. It is something that you may want to consider doing right now, and if so, here are a few tips on how you can potentially convince your insurance company to pay for your new roof.

Do Most Insurance Companies Do This?

Most insurance companies do offer some coverage when it comes to damage to a roof. Where you may become confused is will they cover the entire cost. Sometimes it depends on the type of damage that was done, and other times, it’s about the policy that you own. If you have a very basic policy, there is a possibility that it may not cover the full replacement of your roof.

Find And Photograph Damage After A Storm

If you live in an area where there can be ferocious winds and extreme storms, there is the possibility that so much damage has occurred to your roof that it may need to be replaced. It does not even have to damage the entire roof, but just a portion of the roof, which will exceed the value of the roof itself. If this occurs, which means there could be some structural damage, the insurance company will pay. It is something that can happen from time to time, and if you are efficient at getting the pictures taken, and filing your claim, there is a high probability that you can get a new roof courtesy of a storm that has caused the damage.

Things To Consider Before Filing Your Claim

Two things that you should do before filing your claim include choosing a roofing contractor, and discovering what type of coverage you do have on your property. We recommend, to make this process very easy, that you call a roofing company like It is imperative that you verify the type of coverage you have on your roof with your insurance company long before you ever filed a claim. Part of the reason is that you will need to be sure they will even do this. You might be on some homeowners insurance that will only cover in catastrophic situations. You need to make sure that they will do this as a result of storm damage.

Remember that this process might take a while. This is not something that a typical insurance company will want to cover. The reason is that it’s very expensive. If they continually cover damage from a roof that has been damaged because of a storm, they could end up losing a substantial amount of money. This is very true in parts of the country where severe storms are quite common. Just make sure that they will cover the damage, and if this is the case, take your pictures and file your claim right after a storm has damaged your roof.