Are you dealing with a roof that’s damaged beyond repair? Has your roof reached the end of its functional lifespan, leaving you in need of a replacement? In either case, opting for a new roof requires a significant investment, but if you play your cards right, you may be able to catch a break on the cost. How? By having your homeowners insurance foot the bill. At Paradigm Roofing, we know investing in a new roof can be financially stressful for many homeowners. To help you out with the cost, we’ll discuss how you can get your homeowners insurance to pay for a new roof.
Take a Look at Your Insurance Policy
First things first, you’ll need to review your insurance policy to determine whether your situation is covered. Because your roof is integral to the overall protection of the structure of your home, the dwelling coverage section of your policy should protect you in the event of roof damage.
While many policies outline specific qualifying events, if the damage or deterioration was due to environmental causes, it’s typically covered. Generally, if your roof is less than 10 years old, or if it has a much longer projected lifespan, your claim for roof replacement or repair will typically be accepted.
Assess the Extent of Your Roof Damage
To determine whether you require roof repair or replacement, you’ll first need to assess the extent of your roof damage. In some cases, you can achieve this by performing a simple visual inspection from the ground, but in most cases, you’ll need to conduct an assessment on top of the roof. Here’s what you’ll need to keep an eye out for:
- Missing shingles
- Missing or damaged flashings
- Cracked tiles
- Darkened areas or sagging that indicate water damage
- Mold or other fungal growths that may indicate water damage
Be sure to take photos of any damage or deterioration to provide visual proof for your insurance company. If you don’t feel comfortable climbing onto your roof, contact a roofing company that can perform the assessment for you. As part of the professional inspection, your roofer can also offer you an estimate to help you and your insurance company determine the projected repair or replacement costs.
Discuss Your Options With Your Insurance Agent
Because some insurance companies will only accept claims filed within a specified period of time, be sure to reach out to your insurance agent at your earliest convenience. Inquire about the company’s requirements for filing roof repair and replacement claims, and be sure to gather all necessary documentation. Additionally, be sure to ask about what your policy covers. Your agent will be able to provide further details about whether the company will reimburse you for the cost of your entire roof replacement or whether they only cover the depreciated value of your existing roof. If they plan to cover only the depreciated value, you’ll need to cover the remainder of the cost of your roof replacement.
Reach Out to Roofing Companies for Estimates
Before you file your roof replacement claim, be sure to get estimates from at least three different roofing companies. Getting several estimates helps you determine which company you feel most comfortable working with and allows you to locate the pricing option that best meets your needs and budget.
File an Insurance Claim
Lastly, when you and your insurance agent have determined that filing a claim is in your best interest, it’s time to submit all necessary documentation to get your claim started. Be sure to include the following evidence to avoid a claim denial:
- Photos of your roof before the damage occurred
- Photos of your roof after the damage occurred
- Estimates from each roofing company
- In some cases, news articles related to the event that caused the damage
After you submit your claim, your insurance company will likely send an adjuster to evaluate the extent of your roof damage. Once the adjuster completes his assessment and determines the appropriate cost of fixing the roof, the company will proceed with your claim approval.
Need a New Roof? Contact Paradigm Roofing Today
At Paradigm Roofing, we strive to deliver the highest quality roof installation, repair, and maintenance in the Dallas–Fort Worth metro area. If you’re in need of a roof inspection, roof repair, or an entirely new roof, our team is here to deliver the quality workmanship and superior customer service you deserve. For over 30 years, we’ve specialized in quality roof installation and repair, siding installation, insulation updates, and ventilation installation, so no matter what you need to enhance your home exterior, we’re here to provide it.
To learn more about how we can help you protect your home with quality roofing or siding, give our team a call. You can also leave us a message on our contact page, and we’ll be in touch with you shortly!