Does Homeowners Insurance Cover Roof Replacement? A Guide

Filing a roof damage claim with your homeowner’s insurance company is one of the most critical steps you take following a natural disaster. Since replacing a roof can be expensive, you want to know if you’re covered and will be reimbursed for the work and materials.

If you’ve never filed a roof damage claim, working with an experienced professional roofing contractor can make the process less stressful and help minimize out-of-pocket costs. For over 30 years, S&K Roofing, Siding, and Windows helped Maryland, North Virginia, and DC-area homeowners avoid the pitfalls many face when filing an insurance claim after a natural disaster. We work with various insurance carriers to help our customers avoid denied claims and secure the settlement they’re entitled to.

From assessing damage to meeting your insurance company adjuster and beginning the replacement work, we’re the region’s trusted experts in insurance claims handling. Contact the S&K Roofing team at 866-836-7663 today.

Replacing Your Roof & Homeowners Insurance’s Role

Roof insurance isn’t separate coverage; it’s part of your home insurance policy’s dwelling coverage. If your MD, NOVA, or DC property sustains roof damage in a covered event, your provider helps you pay for repairs or replacements minus your deductible.

Understanding your policy’s specifics allows you to discuss your roof’s damage with the insurance company’s adjuster in a knowledgeable manner.

What Type of Roof Damage Is Covered?

What is a “covered event”? Policies vary from insurer to insurer, but they typically cover falling objects, windstorms, fire, hail, ice, snow, or sleet. Some might cover vandalism. Most policies exclude roof leaks due to lack of maintenance or normal wear and tear or limit coverage for certain types of natural disasters in areas where they are common.

I Need To Replace My Roof: What Should I Do?

If your roof’s been damaged by a covered event and needs to be replaced, these simple steps guide you through the process:

1. Damage assessment: Document damage to the roof, siding, and gutters, noting all damaged areas, including missing shingles and siding. Inspect the ground, as climbing or walking on a damaged roof is unsafe. You can also contact a local roofing contractor to assess the damage. S&K Roofing’s team is skilled at inspecting various roof materials and evaluating different types of damage.
2. Immediately document your findings: Write down and, if possible, photograph the details of what you see. Many adjusters ask for this information before they come out to inspect the property.
3. File a claim and meet with the adjuster: Review your policy to understand what is and isn’t covered and what your deductible is. Take note of any exclusions that could apply to your roof and whether the policy uses replacement cost value or actual cash value when calculating reimbursement. S&K Roofing is happy to speak with your adjuster about the estimated damages.
4. Receive claim approval: Once your claim is approved, depending on your insurer’s process, you receive a check, or the roofing contractor is paid directly.
5. Replace your roof: Now it’s time to sit back and let S&K Roofing do what we do best: replace or restore your roof quickly and professionally.

Schedule Your Roof Replacement With S&K Roofing

Since 1980, S&K Roofing’s mission has been to ensure MD, NOVA, and DC homeowners receive uncompromising quality, value, and service for all their roofing needs. We’re equipped to handle roof damage and are proud of our reputation as a leader in the local roofing industry. We work with most insurance providers and are listed as a preferred contractor by many.

Ready to get started on your roof replacement project? Call S&K Roofing at 866-836-7663 or contact us for an inspection and estimate.