Will My Homeowners Insurance Pay For A New Roof? If your roof is wrecked by some weather condition then every policy will pay the homeowner to replace their roof. If you need to replace your roof because of age then the responsibility falls on the homeowner and your insurance will not pay for a new roof.
Dealing With The Weather
The roof is the first line of defense defending a home against various weather conditions. If you live in the North then you may have to worry about ice and snow putting a heavy strain on the roof. If you live in the South, then your roof will have to stand up against winds that could reach hurricane speeds. The insurance company will make the final decision on whether or not they will cover the costs for a roof if it was wrecked by the weather.
How long your roof will last is determined by what materials were made to construct your roof. The person who owns the home is the one at fault if the upkeep of the roof is neglected. If your roof starts leaking and it causes damage to the home then you are most likely covered regardless of who you have your homeowners’ insurance policy with. The cost of fixing the leaky roof itself will fall on the homeowner.
Stopping Something Before It Happens
People who own their homes can keep problems from happening by paying attention to their roofs. It is recommended that you have your roof inspected routinely by professionals who have experience inspecting roofs. Numerous businesses that work on roofs hoping to expand their customer base will offer free inspections.
You will want to make sure your home and roof don’t violate your local building codes especially if strong winds usually occur in your area. It would also be wise to make sure your roof is not holding a puddle of water and you don’t leave garbage like dead leaves or pine straw on your roof for too long. Another way of preventing problems with your roof is making sure branches of trees nearby don’t come close to the roof.
Having Your Insurance Pay To Replace The Roof
Many companies will offer nothing or only a fraction of what repairs cost if your roof is more then 20 years old. Other reasons companies might not pay could include: your roof having multiple layers, your roof is made up of materials that cost more, or just not attending to your roof in general.
Before any problems arise, call your insurance company and schedule an inspection. You will want to have your policy, descriptions of inspections that happened in the past as well as evidence of any damage that has happened to your roof before. Having this information ready for when the insurance adjuster checks out your roof will assist you if you have to make a case.
Steps To Drive Down The Cost
If you have to replace your roof, it could cost as low as $260 or be as high as $700 for every square foot that needs to be repaired. If your roof is made of asphalt, then the cost might be lower then it normally would for someone who has a roof made of metal or tile. But the following are ways you can drive down how much it would cost to repair your roof:
If you keep these tips in mind then you may not have to spend as much as it normally would cost to repair your roof or you could avoid having to repair your roof if your current one is still strong. Just remember that eventual care could avoid a big bill in the future.