If your roof gets damaged, you likely expect your homeowner’s insurance to cover the cost of repairs or replacement. But the reality is, that filing an insurance claim does not guarantee your insurer will pay out. You need to follow the proper steps to prove your roof qualifies for coverage.
Getting your insurance company to pay for a new roof involves gathering documentation, negotiating with claims adjusters, and understanding exactly what your policy does and does not cover. Follow this guide to boost your chances of getting your roof replacement claim approved.
When Will Insurance Cover a New Roof?
Homeowners policies cover roof damage resulting from specific unforeseen circumstances that are beyond your control. Some common covered causes of roof damage include:
- Severe weather events like hail, windstorms, hurricanes, tornadoes, etc.
- Falling tree branches or debris that hit and puncture the roof.
- Fire damage from an electrical malfunction, lightning strike, or wildfire.
- Collapse caused by the weight of ice and snow.
- Accidental damage from vehicles or aircraft.
Your insurer will likely deny a claim for a new roof if the damage stems from:
- Wear and tear from age and normal weathering.
- Improper installation or repairs.
- Lack of maintenance and upkeep.
- Gradual damage from pests, mold, or mildew.
- Settling or structural issues.
- Floods, earthquakes, and landslides (usually excluded).
Always review your individual policy and contact your agent with any questions about your roof coverage.
READ ALSO: Storm Damage Roof Repair vs Full Replacement – How Contractors Decide
Documentation Needed for a Roof Replacement Claim
Proper documentation is key to getting your insurer to pay out on a claim. Here are important documents and evidence to have ready when you file:
- Photos of the exterior and interior damage – Take photos from multiple angles and distances to show the full scope of damage.
- Contractor repair estimates – Get quotes from roofing contractors to support the cost of repairs or full replacement.
- Purchase records – Provide any invoices or receipts from the existing roof’s installation.
- Inspection reports – Share any recent inspection reports noting roof condition.
- Proof of event – For storm damage, supply local weather reports confirming dates and severity.
- Maintenance records – Show any past repairs and that you properly maintained the roof.
Tips for Negotiating With the Insurance Adjuster
Once you submit your claim, an insurance adjuster will inspect your roof and determine if it qualifies for coverage based on your policy. Here are tips for negotiating with adjusters:
- Be present for the inspection – Walk the adjuster through the damage and point out specific issues.
- Highlight recent repairs – Show places you’ve fixed and maintained the roof over time.
- Ask questions – Don’t be afraid to ask the adjuster why they make certain judgements.
- Provide contractor estimates – Your own repair quotes strengthen your case for the cost.
- Mention renewing your policy – This can subtly give you bargaining power for a payout.
- Follow up after the inspection – Call the adjuster to check status and offer supplementary materials.
What is Depreciation on Roof Replacements?
Even if your roof damage claim gets approved, you may still have to pay a portion out of pocket. This is due to depreciation, a deduction based on the age and expected lifespan of the old roof.
For example, if your 10 year old roof that should last 20 years is damaged, you may have to pay 50% of the full replacement cost. Materials and labor costs deducted can be recouped in some cases, so always ask your insurer.
Find out your policy’s depreciation rate and schedule for roofs. Understanding how this is calculated allows you to anticipate extra costs.
READ ALSO: Does Your Roof Need Replacing or Just Minor Repair?
Can I Get Reimbursed for a New Roof Already Paid For?
If severe weather damages your roof and you pay for replacement repairs or a new roof out-of-pocket before filing an insurance claim, you still have the option of seeking reimbursement.
Contact your insurance provider, explain the situation, and go through the standard claims process. Have all your documentation ready. Accepting reimbursement later on means you’ll still see an increase in your premiums.
While less ideal, this route makes sense if you need to repair roof damage quickly to prevent further property damage. Just make sure to take ample photos and get itemized contractor invoices detailing the necessary work.
What if My Claim Gets Denied?
Don’t panic if your roof replacement claim gets denied. First, request a detailed reason for the denial from your insurance company. Review the language they cite in your policy. Then, consider the following options:
- Request a reinspection – Continued correspondence with adjusters can overturn the decision in some cases.
- Provide more documentation – Search for any additional evidence you can offer to validate the extent of the damage.
- Check claim calculations – Ensure any depreciation rates applied accurately reflect roof’s age and condition.
- Offer alternative solutions – Ask about approval for partial repairs or temporary fixes to mitigate further damage.
- File an appeal – Formally dispute the denial and trigger a review by management at the insurer.
- Consult legal counsel – For extreme cases, consider hiring a public adjuster or attorney to negotiate on your behalf.
To Recap
Filing an insurance claim does not always guarantee a new roof will be covered in full. Following the proper steps and having realistic expectations of your policy can help make the process smoother.
Provide ample documentation of the damage and research your policy thoroughly. Be prepared to negotiate with adjusters and appeal any denials. While approved roof replacement claims will drive up your premiums, you can at least rest assured that your home is properly protected from the elements once again.
FAQs About Insurance and Roof Replacements
How much does a new roof replacement cost with insurance?
The out-of-pocket cost for a roof replacement with insurance varies depending on your policy deductible, depreciation, and the total cost of the new roof. Expect to pay at least your policy deductible upfront (typically $500 – $2,500).
Does homeowner’s insurance cover metal roofs?
Most homeowners insurance policies do cover metal roofing. Insurers will often pay the same depreciated value for a new metal roof as they would for an asphalt shingle roof.
Can I get a new roof before selling my home?
You may be able to file a claim for a new roof due to damage prior to selling. However, your insurer will likely investigate closely to determine if it’s a legitimate claim versus trying to use insurance for renovations to increase home value.
Will my rates increase after using insurance for a new roof?
Yes, your premiums will likely increase at your next policy renewal if you file a claim and receive a payout for a new roof. All claims drive up the risk profile used to calculate your rates.
Does homeowner’s insurance cover roofs over 20 years old?
Most insurers won’t fully pay to replace a roof over 20 years old. Due to age and depreciation, you’ll have to pay a portion out of pocket that increases the older the roof.
In another related article, Flat Roof Leaking? Your 5 Best Temporary Repair Options
