ArticleCity.comArticle Categories How to Get Insurance to Pay for Roof Replacement

How to Get Insurance to Pay for Roof Replacement

Photo from Unsplash

Originally Posted On:


Did you know the average roof replacement costs $11,500 for an average-sized home? With that price tag (which can go up to $80,000, by the way), it’s no wonder most homeowners dread the roof replacement process.

However, you may be surprised to learn that your insurance policy could cover the costs. That said, navigating the world of insurance can be confusing. That’s why we’ve put together this guide to help you understand how to make a roof replacement insurance claim.

We’ll walk you through the steps, including gathering necessary documentation like photos and estimates and working with your contractor to ensure the work is done to insurance standards. Don’t let a damaged roof add stress to your life. Let us help you navigate the insurance process.

Does Insurance Cover Roof Replacement?

Okay, first thing first. Even if you make an insurance claim, will they cover a full or partial roof replacement? The answer isn’t so straightforward. Without getting too technical, insurance policies can differ greatly, so one policy may cover everything while another policy may only cover certain types of damages.

That being said, most insurance companies will cover roof replacement if the damage was caused by a covered peril, such as hail, wind, or fire. However, some insurance companies may not cover damages caused by wear and tear or lack of maintenance. So basically, it depends on why or how your roof was damaged in the first place.

If you’re unsure about what your insurance policy covers, it’s best to review your policy details and speak with your insurance agent. They can give you a clearer picture of what damages are covered and your deductible. To help guide you through that process, here’s a brief breakdown of a few things that are typically covered.

Storm Damage

When it comes to storm damage, most homeowners’ insurance policies will cover it, including roof replacements. If your roof has sustained damage from hail, wind, or other natural disasters, your insurance company will usually cover the costs of repairs or replacement.

However, the exact coverage and limitations may depend on your policy, so review it carefully. Don’t underestimate the importance of maintaining your roof to avoid potential gaps in your coverage. And if you live in an area with lots of stormy weather, it might be worth paying extra to boost your coverage in this area.


Like storm damage, most homeowners’ insurance policies cover fire damage, which is great news if it leads to needing a roof replacement. After all, it’s another extraordinary incident entirely out of your hands.

If your roof catches fire, insurance usually covers the cost of repairing or replacing it as part of the overall damage. It’s important to take pictures and document everything to ensure you get the maximum coverage (but we’ll get more into this in just a bit). Don’t hesitate to contact your insurance company to start the claims process as soon as possible.


Finally, vandalism is something else that, unfortunately, is entirely out of your hands. If someone intentionally damages your roof, such as by throwing rocks or using tools to pry up shingles, your insurance company should cover the cost of repairs or even a full roof replacement.

It’s important to document any damage and file a claim as soon as possible to ensure you receive the coverage you’re entitled to. This applies to filing an insurance claim, sure. However, it’s also important to document the damage to file a police report or another type of incident report so whoever caused it is held accountable.

What’s Not Included in Roof Insurance?

While knowing that your roof is insured can be a relief, it’s important to understand what your insurance does and doesn’t cover. Unfortunately, there are some things that are often not included in roof insurance policies.

Normal aging is one such factor that is typically not covered, meaning you will be responsible for replacing your roof eventually. Another common exclusion is homeowner-caused wear and tear. If you fail to maintain your roof or cause damage through DIY repairs, your insurance won’t cover the replacement cost.

Neglect is another culprit, and insurance companies often won’t pay for damage that could have been prevented. Lastly, don’t count on your insurance to cover animal damage. If critters have made your roof their home, you’ll likely have to pay for the repairs out of pocket.

Remember, if it was your fault or responsibility, your insurance probably won’t cover it. If you’re unsure how to maintain your roof, check out our helpful guide on the 7 Major Signs You Need Roof Repair. Preventative action is always better than reacting to preventable damage.

Do You Pay a Deductible for Roof Replacement?

When it comes to roof replacement and insurance claims, one of the most common questions we receive is about deductibles. So, let’s get into it: do you have to pay a deductible for roof replacement through insurance? The simple answer is yes. Once your claim is approved, you are responsible for paying your deductible.

Trying to avoid this cost can lead to sketchy practices in the roofing industry. Some shady roofing companies may offer to “pay” your deductible for you. But let us make this clear: it is not only illegal but also a scam you want to avoid. So, always make sure to have an understanding of your insurance policy and what your deductible is before starting a roof replacement project.

The bottom line? It’s better to be safe than sorry.

Tips for Filing a Roof Replacement Insurance Claim

Do you believe your insurance covers your roof damage? Great! The next step is to file that roof replacement insurance claim. While the steps will vary depending on the damage and your insurance company (and policy), here are a few things to consider as you start the process.

Assess the Damage

Before filing an insurance claim for your roof replacement, it’s crucial to assess the damage thoroughly. Don’t trust your eyes alone. Climb up on the roof and look for any missing or damaged shingles. Give your roof a thorough inspection.

Check if there are cracks or holes in the roof. If you’re unsure if the damage is enough to make an insurance claim, contact a professional roofing contractor to help. Taking photos of the damage can also help in the insurance claim process.

Review Your Insurance Policy

Next, we recommend you double-check your insurance policy before filing a claim. Look for any clauses or limitations regarding roof replacement claims. As mentioned above, some policies may only cover specific types of damage or have a specific deductible. Make sure you understand your policy’s details. Call your insurance company’s customer service for clarification if you have any questions.

Make Temporary Repairs

Making temporary repairs to your roof is crucial to prevent further damage and water leaks. Cover any holes or cracks with tarps or plywood until a professional roofer can fix them. Remember that insurance companies may not pay for temporary repairs you’ve done before you filed a claim. So, keep a record of the repairs you made.

Get a Repair Estimate

Get a repair estimate from a professional roofing contractor and share it with your insurance company. A detailed estimate can help you accurately calculate the roof repair and replacement costs. Make sure it includes materials and labor costs. Your insurance company may also send an adjuster to inspect the damage and provide an estimate.

Keep Communication Records

Keeping track of all communication with your insurance company is crucial for the entire claim process. It’s also important to have a written record of all phone conversations, emails, and documents exchanged between you and your insurance company.

Arrange a file system and record your claim’s progress, including the date of each communication. In case of any dispute, you have written evidence to back up your claim.

How to File a Roof Insurance Claim

Now that you’re ready to actually file the insurance claim, you’ll likely start to talk with your insurance company about specifics. You’ve patched the damage as best as possible, but (especially if you’ve paid thousands of dollars for the damage) you want to file a claim to get that money back.

Again, the process might differ depending on your insurance company and its claims process. However, here’s how it typically goes for most.

Take Photos

We mentioned the photos above as a suggestion. However, by the time you actually submit your claim, most insurance companies will actually require these as part of the roof replacement insurance claims process.

Be sure to take multiple photos from different angles so that you can be as specific as possible when making your claim. These photos will serve as evidence when you file your claim, and they can help your insurance company determine the level of damage caused by natural phenomena.

Keep Receipts

In addition to photos, you should keep receipts of all roof repair or replacement expenses. This includes receipts for materials, labor, and any other expenses incurred during the process. Organize your receipts chronologically and keep them in a safe and secure place.

This will help you keep track of your expenses, and it will also allow you to provide your insurance company with a clear record of what you’ve spent on the repair or replacement work.

Be Specific

When you file a roof insurance claim, it’s important to be as specific as possible about the damage that has occurred. Provide a detailed description of the damage and the circumstances that led to it. This will help your insurance company assess the level of damage and ensure that you receive an appropriate amount of compensation for your losses.

With accurate and detailed reporting, you increase the chances of your claim being approved. And that’s really the goal of this entire process, isn’t it?

Meet with the Insurance Adjuster

When the insurance adjuster comes to your home, be prepared to walk them through the damage in detail. Show them the photos you took and the receipts you’ve collected, and explain the extent of the damage and how it has affected your home.

This is your chance to tell your story and ensure the adjuster understands your damages’ full extent. Don’t be afraid to speak up and advocate for yourself.

Roof Repair vs. Roof Replacement

Unsure whether you need a roof repair or a full roof replacement?

Roof repairs are a quick fix for minor issues such as a missing shingle or a small leak. These repairs are typically less expensive and can be completed in a shorter amount of time. They are a great option if your roofing issue is isolated to a small area and hasn’t caused damage to other parts of your roof.

On the other hand, roof replacements are a more extensive project in which the entire roof is replaced. This is necessary if your current roof has extensive damage, is nearing the end of its lifespan, or if you’re looking to upgrade to a more durable and energy-efficient roofing material.

While a roof replacement can be more costly and time-consuming, it can also add value to your home and provide long-term savings on energy bills.

So which option is best for you? It depends on the specific needs of your roof. If you’re dealing with a minor issue in a small area, a repair may be all you need. However, if your roof has extensive damage or is nearing the end of its lifespan, a replacement may be the smarter long-term investment.

Overall, it’s important to consult with a roofing professional to determine the best course of action for your specific roof needs. A reputable roofing company can provide an inspection and detailed estimate for repairs or replacements and can work with you to navigate insurance coverage.

Work with Amenity Roofing

Whether you’re filing a roof replacement insurance claim or simply want to stay on top of roof repairs before they become an issue, it pays to work with trusted roofing contractors to ensure your roof is well protected.

At Amenity Roofing & Siding, we have years of experience in residential roofing, and we’re always ready to lend a helping hand. So if you need quality roofing services for your home or business, don’t hesitate to call us today at 630-636-9954.

Or click here to schedule an estimate in the Montgomery, IL, area.

No Comments

Sorry, the comment form is closed at this time.