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How to Get Insurance to Pay for Roof Replacement in 2024

Posted By: Jake Hofer

Your roof is hugely important, protecting you and your belongings from the elements. However, over time, roofs can deteriorate due to:

  • Wear and tear
  • Storms
  • Other natural disasters

When it’s time for a roof replacement, the cost can be a major concern for homeowners. Fortunately, in many cases, insurance can help cover the expenses. In this comprehensive guide, we will walk you through the process of getting insurance to pay for your roof replacement.

Keep reading to learn how to get insurance to pay for roof replacement costs.

Signs That You Need to Replace Your Roof

replacing a roof

Before delving into the insurance aspect, it’s essential to recognize the signs that indicate your roof needs replacement. Being proactive can save you from more significant problems down the road. Here are some key indicators that it might be time for a new roof:

  • Age of the Roof: Asphalt shingle roofs typically last around 20-25 years, while other materials like metal or tile may last longer. If your roof is approaching or surpassing this age range, it’s a good time to consider replacement.
  • Missing or Damaged Shingles: Check for missing, cracked, or curled shingles. These issues can compromise the integrity of your roof and lead to leaks.
  • Water Leaks: Interior water stains or visible leaks in your attic are clear signs of roof damage. Addressing these issues promptly is crucial to prevent further damage.
  • Granule Loss: If you notice excessive granule loss from your shingles, it can indicate aging or weather-related damage.
  • Sagging Roof: A sagging or uneven roofline suggests structural issues that may require immediate attention.
  • Algae or Moss Growth: Algae, moss, or mold growth on your roof can lead to decay and deterioration. Regular cleaning can help, but sometimes replacement is necessary.

What Insurance Will and Will Not Cover

Understanding what your insurance policy covers regarding roof replacement is crucial. Policies can vary, but here are some general guidelines:

👍 What Insurance Will Typically Cover:

  • Storm Damage: Most homeowners’ insurance policies cover roof damage caused by storms, such as hail, wind, or fallen trees.
  • Fire or Vandalism: If your roof is damaged or destroyed by fire or vandalism, your insurance should cover the cost of replacement.
  • Accidental Damage: Accidental damage from a third party, like a contractor, can often be covered by insurance.

👎 What Insurance Will Typically Not Cover:

  • Normal Wear and Tear: Insurance policies typically won’t cover roof replacement due to natural aging or wear and tear.
  • Neglect: If you neglect proper maintenance or fail to address known issues, insurance may deny your claim.
  • Flood or Earthquake Damage: Specialized policies are required for coverage of flood or earthquake-related roof damage.
  • Pre-Existing Damage: Insurance won’t cover damage that existed before you purchased your policy.

To ensure you understand your policy’s specific coverage, review it carefully or consult with your insurance agent.

How to File an Insurance Claim for Roof Replacement

man does paperwork

Filing an insurance claim for your roof replacement can be a daunting task, but with the right approach, it can be manageable. Here’s a step-by-step guide to help you through the process:

1. Document the Damage:

As soon as you notice roof damage, document it thoroughly. Take photos and videos from multiple angles to provide clear evidence for your claim.

2. Review Your Policy:

Familiarize yourself with your insurance policy to understand your coverage and deductible. Make sure the damage qualifies for a claim.

3. Contact Your Insurance Company:

Notify your insurance company about the damage. Provide them with all the evidence you’ve gathered and ask for guidance on the claims process.

4. Get an Inspection:

Your insurance company will likely send an adjuster to inspect the damage. Be present during the inspection and provide all documentation.

5. Obtain Estimates:

Get estimates for the roof replacement from reputable roofing contractors. Ensure they provide detailed quotes that align with the adjuster’s assessment.

6. Negotiate with Your Insurance Company:

If the initial offer from your insurance company doesn’t cover the full cost of replacement, don’t hesitate to negotiate. Use your contractor’s estimates as evidence.

7. Proceed with Repairs:

Once your claim is approved and you’ve reached an agreement, work with your chosen roofing contractor to schedule the replacement.

How Your Roofing Contractor Can Help with the Insurance Claims Process

Choosing the right roofing contractor can make a significant difference in the insurance claims process. Here’s how a reputable roofing contractor can assist you:

Inspection and Documentation:

An experienced roofing contractor can perform a thorough inspection, documenting all damage that needs repair. They can also provide a detailed estimate for the insurance company.

Insurance Claims Assistance:

Many roofing contractors have experience dealing with insurance companies. They can help you navigate the claims process, ensuring that all necessary information is submitted correctly.

Quality Repairs:

Hiring a reputable contractor ensures that the repairs or replacement are done correctly, meeting industry standards. This is crucial to prevent future issues and maintain your home’s value.


Your contractor can communicate directly with the insurance adjuster, making the process smoother for you.


A professional roofing contractor often provides warranties on their work, giving you peace of mind in case of any post-repair issues.

Get Help With Your Roof Insurance Claim

Getting insurance to pay for your roof replacement can be a complex process, but it’s manageable with proper preparation and the right guidance. Remember to act promptly when you notice roof damage, document everything thoroughly, and work closely with your insurance company and chosen roofing contractor. By following these steps, you can ensure a smoother path to a well-protected and reliable roof over your head.

Contact Built Right Roofing & Construction today to work with a reputable roofing company that will help you get your money’s worth!

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