If you’re replacing a damaged roof, you need to know the facts about the insurance claims process – and there’s plenty of misinformation out there. At Metro Construction, we try to keep our blog as unbiased as possible so you can find the ideal contractor for your needs. But if that ideal contractor happens to be us, schedule a free estimate today.
Roof Insurance Overview
First off, if you think you might have damage, schedule a roof inspection as soon as possible. Even if you don’t think you have damage, an inspection after a hailstorm is in your best interest.
Another thing to keep in mind is the myth that your insurance company will cancel your policy or raise your rates if you file a claim. This is not true!
Because roof claims can be common, your insurance may contain specific roof-related policies and exclusions. An exclusion is simply a measure your insurance company takes to avoid fraudulent claims and unnecessary expenses by excluding some items from coverage.
You should read your policy to find out what is covered and what isn’t. Some of the most common roof exclusions are:
Complete roof replacement. Roof repairs are almost always covered, but in some specific cases your insurance may not cover complete replacement.
Roofing material restrictions. All insurance companies do not cover all roofing materials. Wood shake is probably the most likely to be denied, as it can be less durable and expensive to repair.
Roof age. Older roofs are less likely to be covered by insurance. If you’re buying a new home, make sure you check out the roof before you apply for your insurance. Insurance companies don’t want to insure old roofs as they are more likely to need replacement soon.
Understanding the basics of roofing insurance policies is key for protecting yourself as a consumer. Now that you have the basics, you’ll want to get up to date with some common insurance terms every homeowner should know.