Filing a roof insurance claim and getting the insurance company to pay for a new roof might not be easy, but it is possible with the right steps. If you are a homeowner dealing with roof damage from hail, wind, or age, we will guide you through the entire insurance process to ensure your claim is approved and your roof replacement is covered.
What Kinds of Roof Damage Does Insurance Cover?
Homeowners’ insurance covers roof damage resulting from sudden and accidental events, such as hailstorms, windstorms, falling trees, or fires. However, the insurance company may not provide coverage if your roof is damaged due to neglect or regular wear and tear. To learn how to get your roof replaced, review your homeowner’s insurance policy and determine if roof replacement is included in your coverage.
Your insurance policy may offer full replacement cost coverage or actual cash value (ACV), which influences how much your insurance company will reimburse you for your roof.
How to Know if You Need to Replace Your Roof After a Storm
You don’t have to climb onto the roof to determine if you need to replace your storm-damaged roof. Signs of roof damage visible from the ground include shingles in your yard, noticeable granule loss, bent or broken flashing, and leaks inside your home. First, identify roof areas with missing shingles or dents caused by hail to evaluate the storm damage to your roof.
A licensed roofing contractor can inspect the roof to determine whether the roof may have been affected and provide the necessary documentation for submission to the insurance company.
Should You File a Claim for Roof Damage?
Before filing a claim, assess the cost of replacing the roof concerning your deductible. Some policies pay less if the roof is older or shows signs of wear, which may influence the amount you receive for roof repair. Contact your insurance agent and. review the homeowner’s insurance policy to checkalifies for replacement cost or ACV reimbursement.
If your roof is damaged by a storm and the cost to replace it exceeds your deductible, you probably have a valid claim. Reach out to your insurance agent to initiate the process.
What Is the Roof Insurance Claim Process Like?
Here’s what you should know about getting your roof replaced through insurance. The claim process typically starts after a roof inspection. You then submit a roof insurance claim to your insurance company, provide photos and documentation, and arrange for a visit from an insurance adjuster.
If your claim is approved, you will receive an initial check based on the actual cash value (ACV) of your old roof. After the work is completed according to the claim and you submit the invoice, you will receive a second check to cover the recoverable depreciation.
How to Start the Insurance Process for Roof Replacement
Starting the insurance process for roof replacement can be overwhelming. However, with a reliable roofing contractor by your side, you will feel supported and guided at every step.
The insurance company provides an adjuster to verify your claim. Insurance estimates allow for negotiation, so make sure you have an advocate who understands the insurance claim process.
What to Expect from the Insurance Adjuster
The adjuster will evaluate your roof and decide if the damage is covered by your insurance policy for roof repair. They will first identify areas of the roof with missing shingles or storm-related damage. If the claim is approved, the adjuster will issue the initial check.
Keep in mind that the insurance company may pay less if the roof is old or the damage is minor. Policies often include a deductible for other claims, and you might have to pay that amount before your company covers the remaining balance.
How Much Will Insurance Pay for Your Roof?
How much insurance will cover your roof depends on your policy type:
- Replacement Cost Value (RCV): the amount required to replace your roof damaged by storms. It encompasses the cost of restoring your new roof to a brand-new condition.
- Actual Cash Value (ACV): Covers the depreciated value of your roof at the time of the claim.
You’ll receive a check from the insurance company, which may be divided into two payments. The first payment covers the ACV, while the second releases the recoverable depreciation once the insurance work is completed.
What Happens If Your Claim Is Denied?
Insurance companies may deny a claim if they determine the roof damage resulted from normal wear and tear or inadequate maintenance. If you believe your claim should be covered, don’t lose hope. Request a written explanation for the denial and review your home insurance policy. You can appeal the denial or get a second roof inspection from an independent roofing contractor. In some cases, hiring a public adjuster may assist if your insurance company refuses to pay for a roof you believe should be covered.
In some instances, hiring a public adjuster can be beneficial if your insurance company denies coverage for a roof you believe should be included.
How to Choose a Roofing Contractor for Insurance Work
Select a roofing contractor who is experienced in handling insurance claims. Look for roofing companies that can help with documentation, meet with your adjuster, and ensure the roofing installation aligns with the scope outlined by the insurance company.
GreenGo Roofing specializes in insurance work and will help you receive the replacement cost value you deserve for your roof repair. We understand how to file a claim and navigate the insurance process to protect homeowners and ensure their roofs are replaced.
Tips to Avoid Roof Damage Insurance Scams
Follow these tips to avoid roof damage insurance scams to ensure your claim is valid:
- Never sign contracts with door-to-door roofing contractors without conducting thorough research on them.
- Avoid making large deposits before the insurance work starts.
- Ensure all agreements are in writing.
- Ensure the contractor is licensed and insured.
Follow our six tips to prevent roof scams and safeguard your home and homeowners’ insurance policy.
Why Choose GreenGo Roofing for Your Roof Replacement
GreenGo Roofing understands how to have your insurance cover your roof. Our team collaborates directly with your insurance agent, submits all necessary paperwork, and conducts the full roof replacement according to code and policy guidelines. We assist you with the process of getting your roof repaired or replaced.
- Navigate the process of filing insurance claims.
- Make sure roof coverage is approved to prevent any issues when replacing your roof.
- Complete the restoration of your new roof promptly and within budget.
We advocate for you at every step—from the roof inspection to the final payout—to ensure your homeowner’s insurance policy covers the cost of replacing your roof. Don’t settle for less than the protection your home deserves; make sure you receive the full ACV check from the insurance.
