Roof Damage and Your Homeowners’ Insurance

Roof Damage and Your Homeowners’ Insurance

Roofs are one of the largest and most important features of a home. Its coverage is also a critical part of any homeowners’ insurance policy. Roof coverage has some unique aspects to it. Homeowners’ should be aware to have the right expectations when it comes to claims and to take full advantage of the coverage they have. Here are some things you should know about roof damage and your homeowners’ insurance.

I need a new roof. Will my homeowners’ insurance pay for it?

Not if you need a new roof because your roof has outlived its lifespan. If a roof needs to be replaced due to age and simple wear and tear, the homeowner will be responsible for the cost of replacement. Now, if the roof has been damaged due to a covered peril, act of nature or through an accident, your homeowners’ insurance policy will usually cover its replacement.

My roof has a leak. Will homeowners insurance pay to repair it?

If the leak is due to wind damage or some other covered peril, leak repair should be covered. If the leak is the result of lack of maintenance repairs likely will not be covered.

What steps do I take to file a claim?

First, have a qualified roofing company provide an estimate on repairs or a full replacement if necessary. Contact your insurance representative to file a claim. Once your claim is filed you will probably be contacted by an adjuster who will validate your claim and offer a settlement.

Can I use my settlement check and make repairs myself? 

Most insurance companies don’t have an issue with this. There are risks, however. If repairs or replacement isn’t properly done, you will be responsible for any additional repairs. In some cases, the terms of the homeowners’ insurance may require use of a licensed, qualified contractor. It is best to check your policy.

You should also beware that payments for roof damage claims are sometimes adjusted by the age of the roof. In other words, the older your roof is, the less your insurance policy may pay. Contact your insurance agent for details.

If you haven’t reviewed your homeowners’ insurance policy in years, your home may have outgrown its coverage. Contact our independent agents for a no-cost, homeowners’ insurance review. We may be able to find you improved coverage at a more affordable price. We look forward to assisting you with your roof-related and other homeowners’ insurance questions.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Life Insurance: Why Waiting Limits Your Options

Waiting to purchase life insurance just may limit your options. Here’s how to maximize your choices when buying life insurance.

What You Need to Know About Today’s Driving Schools

Today’s Online Driving Schools are Convenient and Affordable…and May Save You Money

Hurricanes, High Winds and Homeowners’ Insurance

Wind Storms Can Bring Serious Damage No Matter Where You Call Home

The “Flying Nun” and Other Wild TV Show Premises

Talking cars, funny aliens and horses on telephones are just the start of television’s craziest premises for shows. Oh, and there’s the Flying Nun.

How to Get Clients to Promote Your Business

Positive Comments and Testimonials Have Real Value

Five Cents a Week for Life Insurance? Wait…There’s more!

There Was a Life Insurance Version of the Milk Man and Home Doctor Visit

The Info You’ll Need to File an Automobile Insurance Claim

Being Prepared with the Appropriate Info Can Help Make Claims Smoother

Buying a Home? See These Five Movies First

There Can Be Both Humor and Horror Found in Real Estate Themed Movies.

Six Women Who Made a Big Impact on Modern Music

Strong woman with impeccable voices helped lead the way for generations of female singers. Here are six of the most impressive.

Cutting Costs Without Slashing Your Business

A Dollar Saved Is Not Always a Dollar Earned in Business

Leave a Comment