Does Homeowners Insurance Pay For A New Roof?

Home is one of the biggest investments that people make in their lives. This is why it is always good to think about ways through which it can save from any kind of damage. For example, you want to make sure that your insurance covers your roof if a tree branch falls over it.

It does not matter what kind of accident you were encountered with, for example, whether it was theft, or a catastrophic weather event, your insurance must cover you. However, when it comes to roofing damage and replacement, the lines often get blurry and it gets difficult to make see through it.

Does Home Insurance Cover Roof Replacement

In most cases, the insurance is applicable for the roofs of homeowners if their roof is damaged due to extreme weather such as lightning or snowstorm. However, there are still many policies that do not cover the roof, such as normal wear and tear.

Every situation is unique in this regard and it is not necessary whether the one solution or answer can solve all the problems which are related to the new roof. Roof insurance is the part of your home and it covers the roof whenever it is damaged to the point that it requires major repair or replacement.

This damage is related to all the acts which are out of the control of the homeowners. Moreover, damages due to extreme weather or any other acts of God are also covered in the insurance. However, what we have noticed is that the insurance companies are moving away from the policies that cover hail or wind damage. The reason is simple, the insurance companies do not want to pay off claims in the area and that too many people.

Does Insurance Cover Roof Leaks?

In most cases, you will see that homeowners insurance will cover roof leaks and if the leak is caused by a circumstance that is listed in the policies then the company will allow the homeowner to claim it. But the damage that is accumulated over time is often denied coverage when a claim is filed.

This is why it is always important that you provide proof of the leak and how it was caused so that the insurance company can add that to your claim. If you fail to prove such a thing, then the claim could become difficult.

For example, if the homeowners claim that a large snowstorm has caused the damage to his roof, but on inspection, it is concluded that it was not the storm, instead it was the years of unchecked accumulation of snow on the roof that caused the damage. This kind of claim is always denied and the homeowners have to pay the price of replacement of their on their own.

Tips for Filing an Insurance Claim for Roof

If you want the insurance process to begin, you can call your roofing company so that they can come and inspect your roof. Through this, they can tell you straight away whether the damage is under their policy or not and you can claim it or not.

Before calling them, try to gather as many documents as you can for the work, such as the previous home inspection reports, receipts for any kind of roof work and the before and after photos of any damage that has occurred there.

Other Financing Options

There are two options available for that.

The first one is to pay all the cost from your pocket, but sometimes that can become difficult to bring out such a huge sum at once to get your roof replaced.

The second option for you is our platform through which you can finance your roof and can pay the price of the damage and replacement.

For questions about a roof leak or new roof replacement in Norman, Shawnee, and Oklahoma City, OK call Legend Roofs today at 405-352-7307.