Due to a recent storm, you are forced to get a completely new roof. An important question you may be wondering is whether or not your insurance will cover it. The experts at Certified Roofers & General Contractors, Inc. are here to give you all the information you need when it comes to new roof cost. This why we are known for being one of the best roofing companies near me.
Does Homeowners Insurance Cover a New Roof?
No roof lasts forever. A typical asphalt roof’s lifespan is about 20 years, though thanks to roofing innovations, asphalt roofing can last up to 50 years. Of course, there are plenty of reasons you may have to replace yours earlier than expected. You must consider everything from storm damage to improper maintenance that may cut a roof’s lifespan short.
When it comes to replacing your roof, you may wonder if your homeowners’ insurance policy will cover the cost. The short answer? As with many things, it depends. There are a number of different factors to consider when determining if your policy will cover the cost of installing a new roof. This post will help you better understand if your insurance will help when you need to replace yours.
When Does Insurance Cover New Roof Cost?
Homeowners’ insurance policies often cover certain types of damage that may require you to install a new roof. You are particularly likely to be covered if the damage was caused by an “Act of God/Nature.”
For instance, strong winds can remove enough shingles that you need to replace your roofing entirely instead of merely performing basic repairs. Homeowners’ insurance typically covers such damage. This is because your roof is exposed to the elements to a far greater degree than many other areas of your home. Insurance providers understand it can thus be difficult to protect a roof from Acts of God. Even responsible homeowners who stay on top of upkeep and take steps to reduce hazards can’t prevent a hail storm from destroying a roof without warning.
Insurance providers may also cover other forms of damage that, although not weather-related, are out of a homeowner’s control. These may include fires and/or vandalism.
When Does It Not Cover It?
Insurance providers have also been known to refuse the cost of replacing a roof if your new one is made from materials that require greater upkeep than asphalt shingles or more reliable materials. Examples of materials that may not be covered include slate and recycled shakes. Research this when preparing to replace your roof. You could save yourself a lot of money by choosing the right material.
Call The Best Roofing Companies Near Me
If anyone knows how to repair and replace roof damage, it’s us! We are the best roofers in Lithia. When it comes to the roof replacement on roof damage for your new home and new roof cost, we suggest trusting us to help. Call or contact Certified Roofers & General Contractors, Inc. today. We are one of the best roofing companies dedicated to roof repair Riverview FL.
