A roof replacement is one of the most significant investments you’ll have to make as a homeowner, especially if you moved into an old home that hasn’t been updated in a while. When damage strikes, whether from storms, falling debris, or gradual wear, many wonder if their homeowners insurance will cover the cost.
Well, the answer isn’t always straightforward. Insurance can cover your roof replacement, but not under every circumstance. The coverage depends on the cause of the damage, your policy terms, and the condition of your roof before the incident.
Don’t stress yet, because we are here to help. In this blog post, we will explain when homeowners insurance covers a roof replacement, common exclusions, how to file a claim, and tips to ensure you’re adequately protected.
When Does Homeowners Insurance Cover A Roof Replacement?
In most cases, homeowners insurance covers a roof replacement when the damage is caused by a sudden, accidental event. These are usually categorized as “covered perils” in your policy.
For example, if your roof is damaged due to the following cases, most home insurance policies will cover the damage:
- Severe Weather: Damage from windstorms, hail, or heavy snow
- Falling Objects: Branches, trees, or other debris damaging the roof due to heavy wind or a storm
- Fire or Lightning: Most standard policies cover roof damage caused by fire
- Vandalism: Damage from deliberate acts of vandalism or theft
Note: If the damage is directly caused by one of these events, your insurance company will likely pay for either the repair or full replacement, depending on the extent of the damage. However, it’s important to check your policy and what it covers ahead of time.
A Partial vs. Full Replacement
Insurance policies may not always cover a full roof replacement. If only part of your roof is damaged, the insurer may opt to cover repairs instead. However, if the repairs leave your roof uneven or mismatched, you may be eligible for a full replacement under matching coverage clauses, if your policy includes them.
When Does Insurance NOT Cover A Roof Replacement?
One mistake many homeowners make is that they feel that their homeowners insurance policy will cover a roof replacement, no matter what the case is. But sadly, this is not how insurance companies work. There are several situations where roof damage will not be covered by homeowners insurance:
Natural Wear and Tear or Aging
Insurance policies do not cover regular wear and tear, or roofs that deteriorate due to age. If your roof has reached the end of its lifespan (typically 15 to 25 years for asphalt shingles), insurers will consider it the homeowner’s responsibility to replace it.
Neglect or Poor Maintenance
If you’ve failed to maintain your roof properly — such as ignoring minor leaks or skipping regular inspections — insurance companies may deny your claim. Neglect makes it harder to prove that the damage was due to a covered peril.
Gradual Damage
Damage caused by gradual issues, such as mold, rot, or pest infestation, is usually excluded. These are considered maintenance issues rather than sudden incidents.
Certain Natural Disasters
While wind and hail are usually covered, damage from earthquakes and floods often requires separate policies. Check your coverage if you live in an area prone to these disasters.
How to File a Roof Replacement Insurance Claim
Most of the homeowners that we have met think filing an insurance claim is a very complex task, but it doesn’t have to be. Here’s how to navigate the process effectively:
Document the Damage
After a storm or other big weather event, thoroughly document the damage by taking photos and videos of any damage that’s formed in or outside the home. This acts as proof you can provide to the insurance adjuster who will come check out the home and verify the damage.
Contact Your Roofing Contractor First
Before calling your insurance company, consult a reputable roofing contractor. They can provide a professional assessment, verify the cause of the damage, and offer a repair or replacement estimate. Roofing contractors can also help identify issues that insurance adjusters might overlook.
Review Your Policy
Examine your homeowner’s insurance policy carefully. Check for terms related to roof replacement, deductibles, and exclusions. This will help you understand what to expect before you file the claim.
File the Claim
Contact your insurance provider as soon as possible. Provide them with all necessary documentation, including photos, the contractor’s assessment, and a written claim.
Schedule an Inspection with the Adjuster
Your insurance company will send an adjuster to inspect the damage and determine the quality of your claim. The insurance company will determine your claim based on this inspection from the adjuster.
Negotiate if Necessary
If the insurance company offers a lower settlement than expected, you have the right to negotiate. Your roofing contractor can assist by providing detailed reports and evidence to support your claim.
Tips for Ensuring Proper Roof Insurance Coverage
To protect your home and ensure you’re covered when you need it most, follow these tips:
Get Regular Roof Inspections
Schedule professional roof inspections at least once a year. This helps you catch minor issues before they become major problems and provides documentation of your roof’s condition.
Keep Records of Repairs and Maintenance
Save all receipts, invoices, and reports from previous roof repairs or maintenance. You never know what the insurance company will ask of you, so it is better to be ready. This documentation can support your claim by showing that you’ve properly maintained your roof.
Understand Your Policy’s Coverage Limits
Some policies have caps on roof damage coverage. Review your policy and consider upgrading if the limits are too low to cover a full replacement.
Consider Roof-Specific Coverage
In high-risk areas such as Wisconsin, you may want to purchase additional coverage, such as separate windstorm or hail insurance, to ensure you’re fully protected.
Choose a Reputable Roofing Contractor
When it comes to insurance claims, partnering with a trustworthy roofing contractor is essential. They can help you document the damage, provide accurate estimates, and handle the repair or replacement after your claim is approved.
Hire The Experts at Prestige Roofing LLC for Detailed Inspection Reports
Homeowner’s insurance can cover a roof replacement, but only under specific conditions. Damage from sudden and accidental events, such as storms or fire, is typically covered but wear and tear is generally excluded.
At Prestige Roofing LLC, we’re committed to helping homeowners navigate roof insurance claims with confidence. If your roof has been damaged, contact us today at (920) 791-0414 for a thorough inspection and assistance with your insurance claim after approval.