When to Expect Insurance to Cover Your Roof Replacement

When to Expect Insurance to Cover Your Roof Replacement

When to Expect Insurance to Cover Your Roof Replacement

Your roof is one of the most important parts of your home, protecting you and your belongings. But over time, even the most well-constructed roof can suffer damage due to weather events, fallen trees, or unresolved structural issues. Here’s what to expect for a roof replacement in Roseville and whether your insurance will cover it.

Understanding Your Insurance Coverage

Homeowners’ insurance policies vary, but in general, they will cover roof replacement if the damage is caused by a sudden, accidental event or an act of nature. For example, if a severe windstorm damages your roof, your insurance will likely cover the cost of replacement, provided that your policy includes coverage for such perils.

But if the damage to your roof is due to neglect, gradual wear and tear, or is over 20 years old, you may not be covered by your insurer. In these cases, it’s better to work with a roofing company that offers an extended warranty on your new roof.

Factors That Affect Insurance Coverage

Roof Type: The material your roof is made from can impact your insurance coverage. For example wood shake roofs are far more expensive to insure if you can obtain insurance at all.

Age of Your Roof: When comparing home insurance costs, insurers often ask about the age of your roof. Newer roofs generally have a lower risk of damage, which can result in lower premiums.

Cause of Damage: Insurance companies will investigate the cause of the damage to determine whether it’s covered under your policy. If the damage is due to a maintenance issue or pre-existing problem, your claim may be denied.

Tips for Maintaining Your Roof

  1. Inspect your roof every spring and autumn for signs of damage or wear.
  2. Remove any debris, such as leaves, needles, moss, or branches, from your roof and gutters.
  3. Trim tree branches that overhang your roof to prevent damage from falling limbs.
  4. Check for signs of pest damage and address any issues promptly.
  5. If you notice loose shingles, issues with flashing, or other problems, contact a certified roofer to examine your roof and make necessary repairs.

Appealing a Denied Claim

If your insurance company denies your claim for a roof replacement, you have the right to appeal the decision. To do so, you’ll need to:

  1. Schedule an on-site inspection with a contractor to assess the damage and provide a report.
  2. Submit the required forms and documentation to your insurer, including the contractor’s report and any photographic evidence of the damage.
  3. Consider hiring a lawyer to support the generation of reports and help navigate the appeals process.
  4. Keep copies of all correspondence, images, and letters related to your claim for your records.

Contact Harlan Quality Roofing to Request an Estimate for a Roof Replacement in Roseville

If you need a roof replacement in the Roseville area, Harlan Quality Roofing can handle the process from start to finish. Our team delivers top-quality roofing services, using only the best materials and techniques to make sure your home is protected for years to come.

To request an estimate for your roof replacement in Roseville, contact Harlan Quality Roofing today.