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What to Know About Roof Inspections for Insurance

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Get Insurance to Pay for Your Roof: Secrets From the Pros

Roof Insurance Claims

Nobody wants to think about having to replace their roof. It’s no secret that insurance companies are difficult to work with, and there are certain contractors that are less than trustworthy.

In this post, we’ll reveal all the insider secrets from the pros and answer all of your burning questions about roof insurance, insurance claims, and any other insurance roof replacement concerns you may have.

Does Homeowners Insurance Cover Roof Replacement?

Yes, a claim for roof leak inspection roof damage should be covered by your homeowners insurance. Unless your homeowner’s insurance policy specifically excludes wind, hail, or other storm damage, you will be able to file a hail, wind, or storm damage insurance claim. However, harm is the essential term here.

Due to regular wear and tear or a lack of maintenance, your homeowner’s insurance policy may not cover roof repair. This is why having your roof examined every year, especially after a large storm, is critical. If it’s time for your annual roof inspection, make an appointment below!

Here are some of the most frequently asked insurance roof replacement questions:

What does the insurance company look for?

When you file a home’s insurance claim for roof damage, the insurance company will usually dispatch an adjuster to inspect the damage. They’ll be on the lookout for roof damage caused by wind, hail, or other storm-related weather.

Accelerated shingle and granule loss, curling or broken shingles, exposed underlayment, or dark lines that suggest algae growth are some of the types of storm damage the insurance adjuster may look for.

Will filing a homeowner insurance claim for roof damage increase my rates?

In general, the answer is no. If you file a claim for hail, wind, or other roof damage, your rates will not go up. Unfortunately, if your area code was impacted by the hurricane, most insurance providers will raise your rates.

Do I need to get my roof inspected before buying or selling?

Having your roof inspection for insurance roof inspected before purchasing or selling a property is always a good idea. If you’re buying a house and the roof has already been damaged by a storm, your insurance carrier could not cover the cost of a new roof. On the contrary, having a completed report for prospective purchasers to check for peace of mind is useful if you’re selling your house. To get a free digital roof analysis in Colorado, fill out the form below.

How to Get Homeowners Insurance to Pay for a Roof Replacement

It’s no secret that paying out a claim is the last thing on an insurance company’s mind. For this reason, it is critical to have a professional roof check performed prior to renewing or signing a new contract. Why should you trust a non-expert to analyze your damage and settlement? Insurance adjusters are not roofing specialists. You must have a dependable expert on your side. Here are a few more suggestions to assist you with your roof insurance claim.

Make sure you are going through a licensed, local roofing contractor.

It’s critical to hire a contractor who is both local and licensed. You’ll also want to confirm that they’re covered by workman’s compensation insurance. If they don’t, and someone is injured while replacing the roof, the homeowner could be held liable.

If you have a problem with your new roof in a few years, their insurance policy should cover bad workmanship. One of the most important things you can do to protect yourself and your property when replacing your roofing system is to hire a certified and properly insured contractor. Don’t try to save money or cut corners by hiring someone who isn’t fully licensed or insured.

Does Homeowners Insurance Cover Roof Leaks?

Unless your policy specifically excludes hail, wind, or other storm damage, your homeowners insurance should cover roof leaks in most cases. If you suspect your roof is leaking, have it inspected straight away because leaks can lead to more serious problems. It’s also crucial to clean and inspect your gutters on a regular basis, as they can cause roof leaks, and most insurance companies will not cover damage caused by normal wear and use or a lack of maintenance.

Roof Insurance Claim Process


The initial step will be to contact a licensed contractor in your area. You should do your homework and study their reviews before hiring them. You should also ask for references and make sure they’re fully insured and licensed. When it comes to validating evaluations, Google Reviews, Next-door, and Angie’s List are all excellent places to start.

Adjuster Inspection

When the adjuster arrives, he will assess the damage, create a scope of work, and draft the first damage report. It’s critical that your contractor be there during this process. It’s always better to have two pairs of eyes than one!

Filing a homeowners insurance claim for roof damage

Why should you trust a non-expert to analyze your damage and settlement? Insurance adjusters are not roofing specialists. You must have a dependable expert on your side.

The insurance company’s adjuster will conduct the same roof inspection, but the results for the source of damage and/or the cost to repair or replace your roof may be drastically different.

An professional roofing contractor will not only thoroughly evaluate and assess the damage to the roof, but he or she will also present the results to the adjuster so that they are aware of the extent of work that is required and can provide you with a more accurate settlement.

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