When deciding to pay for a new shingle roof in the Philadelphia area, you may have many options including insurance. Whether insurance will pay to replace your shingle roof depends on what caused the damage and what your insurance policy says. Most homeowners insurance will help if your roof is damaged by something sudden, like a big storm, hail, strong wind, fire, or a tree falling on your house. In those cases, the insurance company might help pay to fix or replace the roof. But if your roof is just old or wasn’t taken care of, insurance usually won’t pay. While the details may be confusing, it is always recommended that you speak with your local service provider such as Cover All Exteriors to ensure you are making the best choice possible.
If a bad storm rips shingles off your roof or hail hits and makes holes or dents, your insurance should cover the cost. But how much they pay depends on your policy. Some policies pay for the full cost of putting on a brand new roof. Others only pay what your old roof was worth when it got damaged. Insurance also does not cover everything. If your roof is old and just wearing out from age, you typically won’t be able to use insurance to replace it. Roofs only last so long. If you haven’t kept up with repairs or let small problems turn into bigger ones, the insurance company might say it was your fault and won’t help. That’s why it’s important to take care of your roof by checking it often and fixing problems early. Companies like Cover All Exteriors offer free estimates on your roof in order to inform you what needs to be done.
Another main factor when it comes to roofing insurance policies is the deductible. That’s the amount you have to pay yourself before insurance pays anything. If the repair or replacement isn’t too expensive, it might not be worth it to file a claim. Also, filing too many claims in a short time can cause your insurance costs to go up, or your company might even cancel your policy. Your best bet is to work along side with a trustworthy company. When working with professionals, you get the guidance and help that you will need to receive the bet outcome.
To make sure your insurance will help if something bad happens, it’s important to take care of your roof. Certain tasks such as cleaning the gutters, fixing broken shingles, and having your roof inspected once in a while by an expert, can provide you with the best lifespan of your roof. It is always important to take pictures as soon as possible if something such as a heavy storm passes through. Getting all this information over to your insurance company faster can speed up the process of filing your claim. It’s also a good idea to go over your insurance policy and familiarize yourself with it. Ask your agent what kind of roof damage is covered. In some cases, you can add extra coverage for things that aren’t included in your main policy, like damage from heavy snow or stronger wind protection.
Overall, insurance can help pay to replace a shingle roof, but only for certain reasons. If your roof is damaged by weather, fire, or something sudden, you might be covered. But if your roof is just old or hasn’t been cared for, you probably won’t get any money from insurance. Keeping your roof in good shape and knowing what your policy covers is the best way to protect your home and make sure insurance will help when you need it. If you would like to know more about how you can replace your roof, call us today and speak with one of our highly trained roofers.