Does Insurance Pay for a Roof Replacement?

As a homeowner, you probably often wonder about what your homeowners insurance policy covers. Today, we’re specifically going to talk about what you can expect when it comes to roof replacement projects. 

Let’s take a closer look at what your insurance company will cover and what they won’t, so you can be better prepared for your upcoming replacement

What Your Homeowners Insurance Will Likely Cover

Since your roof system is such an integral part of your home, homeowners insurance policies will cover roof replacements that are a direct result from natural disasters or their immediate effects—such as fallen trees, flying debris, etc.

It’s important to remember that you will have to pay your policy deductible before any coverage is available. Since Texas is in the top 10 highest-risk states, this deductible may be higher than usual. You may also have to purchase additional coverage or separate policies for windstorms, hurricanes, and more.

What Will Probably Not Be Covered

Though it may seem contradictory, if your roof is going to be damaged, you almost want it to be dramatic. As we stated above, severe damages like large holes or completely torn-off sections of your roof will most likely be covered by your insurance company. 

However, if your roof system has seen better days due to general wear and tear, it’ll most likely be your responsibility. As a rule of thumb, roof systems that have exceed 20 years will have limited coverage, if any at all.

Moreover, there are some cases where damages can fall into odd categories that are not commonly covered. For example, your roof was damaged by a natural disaster, but it just scratched up your shingles. Your insurance company may decide this is just cosmetic damage and not cover it. The same can go for leaks if there is no way to prove what initially caused it. 

Contact Our DFW Roofers for Personalized Insurance Advice

Knowing your coverage options will take a lot of stress out of your roofing projects. And if you still have questions or concerns, it’s never a bad idea to reach out to your policy holder for clarification. You can also talk to a professional roofer to get their input on the matter.

If you have any other questions or you’re simply ready to start planning your roofing project, get in touch with the local experts at Artisan Roofing & Solar right away. Our team offers free damage reports, comprehensive repairs and replacements, and unmatched customer care. We’d be happy to discuss general insurance practices.

Give us a call or fill out our online form to schedule a free consultation with our team today!

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