Can My Homeowners Insurance Policy Cover My Roof Replacement?

Can My Homeowners Insurance Policy Cover My Roof Replacement?

If the time has come for a roofing replacement or repair, then paying for such an extensive project might be your primary worry. At XYZ Roofing and Restorations, our McAllen roofers will do everything we can to make this construction project as affordable as possible. In fact, we offer financing for as low as $99 with approved credit! However, if your insurance coverage can be used instead, then we’d like to go over this topic in detail below. 

What You Should Know  

Most homeowners insurance policies cover roof replacements and repairs resulting from damages caused by destructive events like bad weather or accidents such as fires. However, according to Investopedia.com, “Problems that ensue from general wear and tear or from a roof that has exceeded its intended life span are not eligible for reimbursement because they fall under the general maintenance responsibility of the homeowner.” 

This means that if your roof needs some care due to its age and simple wear, then your insurance may not cover it. It’s best to reach out to your insurer to clarify whether or not you’ll be reimbursed for roofing repair costs if its condition is a result of aging. 

Two other things to know are that roofs older than 20 years often have limited coverage. So, before proceeding with your roofing project, be sure and touch base with your insurer to see if your 20-year-old roof is still covered. And lastly, if your roof suffered damage due to an event beyond your control, then be sure to properly document the costs of repairs, take photos, and save any notes from inspections. 

And we also want to stress that you should always let your insurance company know when damage has occurred to your home. 

Get Your FREE Estimate Today!

If you have any questions about the costs of our roofing projects or need an inspection, then contact us today! We also offer FREE estimates!