Does Homeowners Insurance Cover Roof Replacement?

DOES HOMEOWNERS INSURANCE COVER ROOF REPLACEMENT?

During inspection for insurance purposes, your insurance adjuster or roofing contractor will take photos of any damage.

As with most homeowners insurance claims, you may be wondering “does homeowners insurance cover roof replacement?”, but that will vary from company to company, policy to policy.

If you suspect that you have roof damage caused by severe weather such as hail or high winds, or damage caused by animals or birds, it is possible that repair or replacement could be covered by your homeowners insurance. Normal wear and tear due to age is not likely to be covered. However, if your roof is less than 10-15 years old and has missing or broken shingles, the shingle manufacturer may be to blame, and repair or replacement could be covered by insurance. This does not happen often, but every now and again a shingle manufacturer produces an inferior batch that fails prior to its warranty expiration.

In either case, the first step is to contact your insurance agent. They will ask you a few questions to determine next steps. After that, if they decide that further investigation is necessary, they will send an insurance adjuster to your home to asses the situation.

Once it is determined that a claim will be covered, the agent may provide a list of local roofers for estimates or recommend that you contact contractors in your area. In our experience, they generally require more than one quote (usually 3) to ensure a fair price.

Prior to having the work done, your insurance company will need to approve the company/estimate that the homeowner is most comfortable with, and work can begin.

Beware Storm Chasers

When areas are hit by severe weather, storm chasers aren’t far behind. In our industry, storm chasers are usually fly-by-night companies looking to capitalize on storm damage. They often canvas door-to-door after storms asking if the homeowner would like them to get on your roof to assess any damage. Often times their tactics are not only shady, they can be illegal. Storm chasers have been known to CAUSE damage to your roof while “inspecting” it, then encourage you to file a claim. This practice is illegal, and insurance companies know how to spot it. In many cases, insurance companies can find enough evidence of this man-made damage to reject your claim, leaving you with a damaged roof that you must pay to fix.

Should you choose to have your roof inspected for damage prior to contacting your insurance agent, it is wise to be present to observe the process. Illegal tactics by storm chasers include hitting shingles with a hammer to mimic hale damage, curling the edges of shingles by hand, or breaking shingles. Unless a roofer is fixing missing or loose shingles, an inspection should be observation only. You should ask for photos to be taken and a report to be written and provided to you for your records. You can provide these to your insurance provider.

As always, never hire a contractor that is not licensed, bonded and insured. Ask your contractor for their credentials prior to enlisting their services, and ask for a written contract/estimate for the work to be performed. So “does homeowners insurance cover roof replacement?”. If you’re still having concerns, don’t hesitate to contact us!

S&K Roofing, Siding and Windows has worked with most insurance providers, and are listed as a preferred contractor with many. If you’re curious if you have roof damage that is covered by insurance, contact your insurance provider. They will guide you through the process the right way.