A typical all-perils homeowner’s insurance often covers the cost of roof replacement if it gets damaged by a covered incident. However, the coverage is only valid if the damage is occasioned by a sudden accident or act of nature. Issues which emanate from normal wear and tear, poor maintenance, or a roof which has surpassed its intended lifespan will not be eligible for reimbursement.
In this guide, we walk you through the roof replacement process through an insurance claim. Whenever a storm or any accidental event damages your roof, here are the steps the replacement process will take:
1: The Damage Happens
Extreme weather situations such as hail, tornadoes, hurricane-force winds, and heavy rains can all wreak havoc and destroy your roof. Even if the damage is not direct, high winds can topple a tree or blow branches onto your roof, causing significant damage. If this happens, call your roofer immediately to assess the situation and advise you on the next course of action.
2: Your Roofer Inspects the Roof
The first person to call after storm damage is your roofer to assess the roof and determine if a replacement is necessary. During the inspection, your roofer will look for things such as missing or damaged roofing shingles, tree branches on the roof, granules in gutters and runoff, and much more.
If your roofer determines your roof requires replacement, they will help you gather all the evidence and document everything for the insurance claim. Additionally, your roofer should give you an estimate detailing the cost of replacement.
3: Calling Your Insurance Provider
Once your roofer has inspected the roof and issued an estimate, be sure to call your insurer to start the claim process. Most policies have clauses and stipulations where, if you wait too long, the insurance company can declare your roof replacement claim null and void.
To ensure your claim is approved promptly, keep clear records of repairs, inspection reports, and before-and-after photos of your roof. Also, note you will need to pay your policy deductible before your insurance coverage kicks in to pay for your roof replacement.
4: Your Roofer and Insurance Adjustor Meet Together
Once you have submitted your insurance claim, an insurance adjuster will come over to your home to do their independent inspection and approve the final amount they’ll pay out for your new roof. It’s important to have your roofer on site when the adjuster arrives to ensure what your insurance company pays will adequately finance the roof replacement project.
5: Insurance Approves and Work Begins
Upon approval of your claim, your insurance provider will issue the first check to start work. Most reputable roofers will be willing to commence the work upon the approval of your claim.
6: Pay Your Roofer
You will initially pay your full deductible plus the insurer’s first check to the roofer before work begins. Once the work is completed, you can contact your insurer to disburse the final amount and remit it to your roofer.
7: Enjoy Your New Roof
Once the project is completed, your roofer will carry a final inspection and clean up. Reputable roofers often provide both manufacturer and workmanship warranties on new roofs. This will give you peace of mind for a specified number of years before you will ever worry about another replacement.
Always hire a trusted local roofing contractor to walk with you through the insurance claim process through to the completion of the project. At West Orange Roofing, we have decades of experience restoring roofs in Central Florida through insurance claims and other financing options. Contact us today to begin the conversation about your next roof replacement project.