If there’s one thing in life that’s fairly universal, it’s the fact that no one enjoys dealing with an insurance company. No matter how friendly and warm Jake from State Farm and Flo from Progressive try to make the process seem, filing an insurance claim usually means worry and waiting. And since filing a homeowner’s insurance claim usually means you’re waiting to have something repaired on your home, you need things to move along as quickly as possible.
At J&J Roofing, we understand the stress and worry of filing a homeowner’s insurance claim, and we’ll do everything we can to help the process move along smoothly. That’s why in this post, we’re breaking down everything you need to know about roof insurance claims for when you need to file one. To connect with an understanding roofer about your roof insurance repair, give us a call today!
Cost of a Roof Replacement
Although the cost of roof replacement services can vary depending on factors like the size of your home, roof type, and slope, it’s one of the most expensive costs homeowners can pay. According to HomeAdvisor, a typical roof replacement costs between $5,586 - $11,636. For architectural shingles or another premium roof, expect to pay upwards of $12,000.
Most homeowners insurance policies will cover roof repair or replacement services caused by the following events:
- Fire
- Wind
- Snow weight
- Hail
When determining if they’ll pay to repair or replace your roof, your adjuster will assess whether the type and degree of damage could significantly impact the lifespan of your roof. Remember, they’re looking to pay out as little as possible in the long run. If they think a repair is just a stopgap and your roof will end up needing to be replaced soon, they may go ahead and opt to replace it.
They may also opt to replace your roof if your original roof materials are no longer available. Many insurance companies also offer different levels of coverage for some types of damage, so it’s important to check when you’re renewing your coverage each year.
Damage That Isn’t Covered
Most homeowners insurance companies do not automatically cover roof damage due to earthquakes and floods. Instead, homeowners living where these conditions are likely to have the option to purchase additional coverage.
An insurance adjuster may determine that roof failure or damage was caused by a homeowner’s lack of maintenance or that maintenance played a factor. If this happens, the insurance company will deny the claim, leaving the homeowner stuck footing the bill.
Here are a few more things to know about your insurance policy:
- Some insurance companies will give homeowners a discount for certain roofing materials.
- Wood shingles can cost you more on your insurance policy.
- You will have to pay a deductible before your insurance company pays out.
Filing a Claim on Roof Damage
If you need to file a claim on roof damage, be sure to document everything thoroughly before contacting your insurance company. You should also get an estimate from a contractor you trust to compare with the adjuster’s.
At J&J Roofing, we offer convenient online consultations to help you get started on your roof repair estimate or maintenance services. Schedule a roof inspection or roof replacement services by calling 586-445-6455 or contact us online to connect with a member of our team.