How Do I Get My Homeowner’s Insurance to Pay for a New Roof?

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Roof storm damage is one of the most frustrating things to come across. Not only can roof repairs be expensive, but they can lead to other parts of the property  getting damaged. In the case of roof leaks, you can end up with water damage to objects in the house, pest infestation or even worse, mold.


If you are covered by insurance, then you’re in  luck. But the question then arises, how do I get my homeowner’s insurance to pay for a new roof?


Will Insurance Pay for a New Roof?


Investing in the right insurance policy is critical to ensuring that it covers your needs. In addition, some insurance policies offer added protection against some factors that other policies don’t cover.


Policies that offer extensive coverage include roofing claims due to damage, including entire roof replacements.


Also Read: Does Insurance Cover Storm Damage to a Roof?


How Do I Get My Homeowner’s Insurance to Pay for a New Roof?


While it isn’t too complex, insurance claims can be a daunting task for many homeowners. So let’s go over some of the steps to help you file an insurance claim for a new roof.


1. Maintain a Photo Album


You should always maintain a photo album to get the most out of an insurance claim. To do so, take photos of your roof regularly to document its condition and present the record in case you ever need to make an insurance claim.


Don’t forget to take photos of the roof from the outside and the ceiling inside. At times, the problem is only apparent on one of the surfaces.


2. Keep a Maintenance Record


To claim insurance, you may need to prove that you have taken care to maintain your roof. So make entries every time you call a roofer over for annual or  bi-annual maintenance.


Also Read: Does Homeowners Insurance Cover Roof Repair?

Roofing Fact: 86% of roof leaks are caused by improper installation. And the average roofing contractor goes out of business in less than 3 years!

3. Document the Damage


Regardless of what caused the damage, take photos of it to strengthen your case. After a storm or strong winds, inspect your roof for loose, broken, or missing shingles and check for any impact damage due to flying objects.


4. Call Your Professional Roofer


The moment that you notice any damage ensure that everyone on the property is safe, move your belongings to a safe location, and evacuate if needed. Then call up your professional roofing contractor to have them come inspect the damages and make a temporary repair to mitigate any further damages. Also you want to make sure that the damage or the repair needed from the damage will exceed your deductible before making a unwarranted claim.


While talking to the insurance provider, tell them precisely what happened and schedule an appointment for them to come over for an inspection.

5. Contact Your Insurance Company


After your professional roofer confirms that the storm damage will exceed your deductible, then you call your insurance company to start the claim process.


We know this is an overwhelming process for most homeowners that’s why we help guide our clients through the process from filing the claim all the way until the work is completed. 

What Types of Damage are Covered?


Typically, insurance covers damage caused by:


  • Storms or heavy rainfall.
  • Wind damage.
  • Vandalism.
  • Falling objects, hail or tree limbs.
  • Fire.
  • Natural disasters, like tornadoes.

However, depending on your policy and insurance company, the exact coverage may vary.

When am I Not Covered?


Even if you have comprehensive coverage, your insurance company doesn’t cover any damage if you void their policy. There are a few situations where the insurance won’t cover you:


1. Negligence


How do I get my homeowner’s insurance to pay for a new roof if I haven’t conducted maintenance? The short answer is, you may not.


Insurance companies cover damages if you have conducted due diligence and kept up with all maintenance. You should conduct frequent visual inspections of your own and call a professional roofer bi-annually to check for any potential failures.


A skilled and experienced roofer can easily diagnose problems that you might not be able to find. Additionally, if you suspect any roof damage after a storm or due to falling objects, call your professional roofer immediately.

2. Age


Every roof comes with a timer due to its continuous exposure to natural elements. As a result, the most common roofs tend to wear out faster and have an average life of 15- 20 years.


While a well-maintained roof can last longer, insurance offers either limited or no coverage for older roofs. Therefore, it is in your best interest to change your roof when it is getting near the expected lifespan to prevent roof leaks, possible cave-ins, and expensive long-term repair costs.


3. Improper Installation


For anyone who thinks that they saved money by choosing an inexpensive contractor, we have news for you. Insurance companies won’t cover damages caused by improper roof installation or repairs.


Roofers generally charge according to their experience and skill level. Opting for a budget or the cheapest roofing contractor or conducting DIY installations or repairs may even void  your insurance. If any property damage occurs due to an improper roof installation, you will likely have to pay out of your pocket. Insurance companies will send out engineers if they believe that the roof was improperly installed to do a thorough investigation.


Intermittent leaks are a common sign of improper roof installation caused by faulty installation methods.. Contact a professional roofer and address them to prevent mold growth and other damage to your property.


Also Read: Is a Leaking Roof Covered by Insurance?

Did you know that 86% of roof leaks are caused by improper installation?

Have a Damaged Roof? Call RoofCrafters!


Roof damage can cause damage to your whole building if you don’t tend to it immediately. Call RoofCrafters to temporarily fix or repair your roof while you wait for your insurance payout. It is our job as homeowners per our policy to mitigate any further damages that may incur. We will help mitigate all further damages while we get your insurance claim settled for you.


We have over 28 years of experience and thousands of satisfied customers in South Carolina, Georgia, and Florida. To survive the challenging weather in this region, we design our roofs to withstand both the heavy rains and high winds we often have during these storms.


Whether you are looking for a new roof replacement or a small roof leak repair to keep your home and business dry and safe, we are here to help you when you are ready.

Our trained estimators can help you pick out the perfect roof that fits your budget and your needs, and you know the best part? We provide same day onsite inspections, Call Now.


“How do I get my homeowner’s insurance to pay for a new roof?” Just remember to stay on top of your maintenance schedule and conduct frequent inspections. Always trust an experienced professional roofer to keep you safe and dry!

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