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Is Roof Replacement Covered by my Homeowner’s Insurance?

roof replacement flower mound txRoof replacement Flower Mound TX is a necessary but costly expense. However, if your home needs a roof replacement then you

don’t want to delay. When your home’s roof is in bad shape then your home is at risk of serious damage. Not only will your home be extremely susceptible to leaks and structural problems, but you’re also losing money on heating and cooling costs. It’s dangerous to delay roof replacement any more than you absolutely have to.

At First Out Roofing in Dallas, Texas we help many homeowners with their roofing needs. Customers frequently as us if homeowner’s insurance covers the cost of roof replacement. We want to educate our customers to the best of our ability so we will pass on our knowledge on this topic to you. Roof replacement and repair can sometimes become complicated with homeowner’s insurance. However, our experienced staff has worked with several insurance companies and we are familiar with how they operate. We make sure that you and your home are well taken care of in any situation.

Does Homeowner’s Insurance Cover Roof Replacement Flower Mound TX?

Unfortunately, the answer to this question isn’t always simple. Everyone should read through their homeowner’s insurance policy to understand exactly what it covers. Many policies will cover roof replacement based on the extent of damage to your roof. For example, it’s not likely that your policy will cover replacement if the damage is slight and less expensive repair options are available. However, your policy may cover the cost of the repairs.

If your home’s roof has sustained significant damage then the odds of your policy paying for a new roof increase greatly. For example, if your roof is the victim of a fallen tree or if a fire has ravaged your home’s roof then it is more likely your policy will cover total replacement.

Some plans require supplemental roof insurance. If you have had your home’s roof longer than you’ve had roof insurance, your insurance company may hesitate on covering the full cost of replacement. When in doubt about what your policy covers you should speak with your insurance agent. Your insurance agent will review the details of your policy with you to provide you with a better understanding of what is included in your coverage.

Will Insurance Cover the Full Cost of Roof Replacement or Repair?

The amount that your insurance company will cover in regard to roof replacement or repair is based on the specific damage done to your roof. All repair or roof replacement costs are typically covered in most natural disasters. However, not all insurance policies are the same. While your neighbor’s policy may cover their roof replacement or roof repairs in full, yours may not. This is why it’s so important to be familiar with your policy. Clarify any confusion directly with your insurance agent to make sure that you understand what your policy says.

A “Named Peril” policy only covers perils specifically named in the policy. Lightning, for example, is a common peril that may be covered under this type of policy. Other insurance policies are referred to as “All Risk” policies. These will typically cover all damages unless specifically excluded from the policy. Learn about which policy you have and consider the benefits of switching to a policy with better coverage if your home is at greater risk.

Filing a Homeowner’s Insurance Claim for Roof Replacement or Repair

If your roof has sustained damage then you will want to have the situation assessed sooner than later. You may have a limited time to file a claim. Some policies require homeowners make claims within just a few days of when the damage occurs. Other policies may allow up to one month to file a claim. However, it’s best not to wait because roofing damage can quickly escalate. Even if your roof looks great from the outside, internal damage could worsen under the right circumstances. Have your roof inspected and file your claim as soon as you can to protect yourself and your home.

Reach out to a professional roofing company for accurate information regarding roof damage. Experienced roofers know what to look for and can quickly point out problem areas and make a suggestion based upon their inspection. What may seem like serious damage could actually be a simple repair. And what seems like mild damage could actually be a symptom of a much larger issue. Your insurance company will want details from a credible source in regard to the extent of the damage.

A trustworthy roofing company will be able to advise you of the best course of action with your interests in mind. If your insurance company won’t cover a full roof replacement then speak with the roofing company. They may be able to provide a solution within your budget. It’s important to correct any leaks or other damage before they become a bigger problem.