As a homeowner, you know that roof replacement is costly. This prompts the question of who’s responsible for the cost of replacing a damaged roof? Discover the answer to the question of whether insurance covers the cost of a new roof.
Does Insurance Pay for a New Roof?
Most of the time the cost of a new roof is paid for by insurance. The typical homeowner’s insurance policy covers damage to a roof caused by a natural occurrence such as a tornado or a hurricane. The average policy also covers accidents such as fires.
Factors Involved in Roof Replacement
When it comes to coverage for roof damage caused by rain, hail and high winds, there are some exceptions. Your policy may specify partial reimbursement or full reimbursement depending on the type of roof damage.
The age of your roof is another factor involved in coverage. A ten-year-old roof that sustains damage is more likely to be covered than a roof that’s over 20 years old. This is because a 20-year-old roof has experienced more wear and tear than a ten-year-old roof.
The Importance of Roof Maintenance
Keeping your roof well-maintained can help you receive full payment if your roof sustains damage.
One maintenance practice is to replace missing or damaged shingles. Just one missing or damaged shingle can allow moisture in weakening the integrity of your roof.
Another maintenance practice is to remove tree branches growing over your roof. These can blow down or be struck by lightning causing damage to your roof.
Tips for Getting Reimbursed by the Insurance Company
One step you can take to prove your roof has been damaged by an act of nature or accident is to take photos of your roof before any damage occurs. You can keep these picture filed away and show them to your insurance company if you ever need to file such a claim.
Secondly, if your roof is ten years or older, have it inspected by a professional roofer. This individual can create documentation detailing the condition of your roof for you to keep on file. So, if damage occurs due to an act of nature or an accident, you have documentation that the roof was in good condition before it happened.
Lastly, taking the necessary steps to keep your roof in good condition can help you get your insurance claim approved if damage does occur.
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