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Does Homeowners Insurance Cover Roof Replacement?

Roof check

Homeowners insurance with adequate roof coverage is an important factor to consider in Central Florida. While most insurance policies will cover repairs for general damage, the circumstances of it covering roof replacement could vary. Knowing when to replace your roof and when it is covered is important. To make sure you and your home stay covered and protected at all times, it’s important to know if your homeowner's insurance will cover a roof replacement.

Roofing Services Generally Covered by Homeowners Insurance

Of all the components of your home, the roof has the most direct exposure. In Central Florida, the biggest threat to roofs occurs between June and November when hurricanes and tropical storms can bring high-speed winds and torrential downpours, potentially causing damage to your home. Of course, other unexpected weather events such as windstorms, hailstorms, and tornadoes can occur randomly throughout the year, causing debris to hit the roof.

Typically, homeowners insurance covers sudden severe weather events. Roof replacement is covered under most policies if the damage is unexpected. However, deductibles will have to be paid before a roof replacement can be approved and commissioned. To combat deductibles, additional coverage like windstorm or hurricane insurance might be necessary and can be beneficial if you want to guarantee coverage for your home.

Roofing Services Generally Not Covered by Homeowners Insurance

Since homeowners insurance only covers sudden qualifying damage, general wear-and-tear is not typically covered. Usually, the less intense the damage is, the less likely it’ll be covered. Typically, roofs that are over 20 years old don’t get much coverage. Instead of the roof being insured for the replacement cost, it may only be covered for its original cash value.

There is also a stipulation for water damage. Damages from water will be covered under homeowners insurance, but the roof itself won’t be.

How to File a Homeowners Insurance Claim for Roof Replacement

Filing a claim for roof replacement can be a confusing process with lots of red tape. While you complete the paperwork yourself, you may consult with a roofing professional. Although we cannot complete the paperwork for you, we can walk you through the process of filing your roof replacement claim. We are also able to be on hand during an inspection by your homeowner's insurance provider’s claims adjuster to provide them with evidence that supports the validity of your claim.

Quality Roof Replacement Services and Insurance Claim Support

With 35 years of experience in the roofing industry, the experts at RBS Construction & Roofing have helped thousands of customers replace their damaged roofs.  An experienced Project Manager will help you file homeowners insurance claims, but we will also work with you to make your roof replacement process quick, efficient, and easy.

Whether it’s a quick fix or a complete roof replacement, our locally- and family-owned Central Florida construction and roofing business will provide you with superior residential and commercial roofing services at an affordable price.

To schedule a consultation, call the professionals at RBS Construction & Roofing today at (689) 304-9605.