Roofs do not last forever. Asphalt shingle roofs have an average lifespan of about 20 years, while you can expect wood shake roofs to last about 30. Copper, slate, and tile roofs have a slightly longer expected lifespan of 50 or more years. Various factors such as how often your roof is repaired, the severity of weather in your area, and how well your roof is maintained will also affect its lifespan.
The In’s & Out’s Of Roof Replacement Claims
If damage occurs to your roof that is not considered normal ‘wear and tear,’ your insurance company may pay to repair or replace your roof. Learn more about filing an insurance claim for roof replacement and what scenarios are typically covered.
When to File a Roof Replacement Claim
Most homeowner’s insurance policies provide some level of coverage for roof damage caused by unpreventable factors, such as fire or vandalism. In most situations, damage caused by weather-related disasters such as hurricanes and other major storms are usually covered. However, there may be some exceptions based on how the damage occurred and what components were damaged. Generally, the roof itself as well as all exterior structures, such as gutters and siding, is covered by homeowner’s insurance.
Factoring In The Age Of Your Roof
Many insurance policies will take the age of your roof into consideration when deciding whether or not to cover the full cost of the roof replacement. If your roof is more than 10 years old, you may only be reimbursed for the depreciated value of the roof, which takes the natural aging process into account when determining a value. Other policies may cover the total cost of the roof replacement, regardless of the age of the roof. Most commonly, the insurance company will send an inspector to look at the state of the roof and verify your claim.
Common Types Of Roof Damage Covered
Some of the most commonly covered types of roof damage include wind, fire, and hail damage. Therefore, if your roof is damaged from a tree falling on it during a windstorm or if the impact of large hail causes extensive damage, you will often find your insurance willing to make the repairs or replacement.
Homeowner’s insurance may also cover water damage caused by roof leaks if the leak is caused by a covered peril. Note that homeowner’s insurance does not generally cover damage resulting from wear and tear. If age is found to be the underlying factor behind the leak, insurance may not cover the repairs or roof replacement.
Common Types Of Roof Damage NOT Covered
You may discover that your insurance policy does not cover all types of damage. For example, if your roof has suffered water damage or mold caused by leaks, it may not be covered as proper maintenance should be used to prevent such occurrences. In addition, the damage done to your roof may not be covered by your homeowner’s insurance but rather a separate policy. For example, standard homeowner’s insurance may not cover water damage caused by flooding. Instead, you may need separate flood insurance, especially if you live in an area where flooding is common.
Filing a Roof Replacement Insurance Claim
If your roof has recently been damaged, it is important to file a claim with your insurance company right away. However, before you do, call in professional roofing contractors to inspect the damage to determine if filing a claim is really the best option. Remember that even if your roof does not appear to be damaged from the outside, the internal structure that is not visible may need repair. Most insurance companies allow you a certain amount of time to file a claim so act fast.
Roof Replacement Contractor Evaluation
While it may be tempting to climb on your roof yourself to look for damage, the job is best left up to the professionals. Experienced roofing contractors know exactly what to look for and can provide a more accurate estimate based on what they see. When you go to file a roof replacement claim with your insurance company, having a written report completed by established roofing contractors can act as evidence. If the damage is found to not be covered by your insurance, you already have a working relationship with a reputable roof repair company that you can contact for services.
If the damage does warrant a roof replacement claim, contact your insurance company right away and provide as much information and evidence as possible. If possible, provide photos and any written documentation you have from the roofing contractors. The estimate that the contractor provided should include information such as labor charges, quantity of materials required, approximate start and completion days, building permits, and payment procedures. Be sure to ask your insurance agent important questions, such as your deductible amount and what exclusions may limit your coverage. If you determine that your roof should be covered, schedule an appointment with an insurance adjuster to look at your roof.
Examination From An Insurance Adjuster
When an insurance adjuster visits your home, he will thoroughly examine the condition of your roof and estimate the extent of the damage. The adjuster will report his findings to the insurance company and your claim will be processed. If your roof replacement claim is approved, you will be notified and you can begin the roof replacement process. You should have no out-of-pocket expenses aside from the deductible on your insurance unless your policy states that it will only cover a certain portion of the costs.
Contact Roof Replacement Contractor For More Information
If your roof has suffered damage, you need to work fast to increase the odds of your insurance company paying for repairs. Working with professional roofing contractors is key to help ensure the process goes smoothly. The right roof replacement company will be experienced, certified, and familiar with insurance claim procedures. A good roofing contractor should be able to offer advice for filing and can help you gather the proper documentation for your claim. Remember that the roof replacement filing process can sometimes be complex. Contact the professional roofing contractors at Beyond Exteriors today to get started on your claim and begin the first steps towards a new roof.