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How To Get Insurance To Pay For Roof Replacement

Date: April 30, 2022

A roof plays a vital role in a house. Any damage or shortcomings should be fixed as soon as possible to avoid any inconveniences and further damage to the home.

However, roofing jobs can be costly, especially when problems crop up from nowhere!

This shouldn’t be the case; you could get your insurance company to pay for roof replacement with the right steps.

Dwelling insurance vs. home owner’s insurance

Dwelling coverage is a part of the home insurance that covers a home damaged by a hazard. Remember dwelling policy only cover the physical structure of the home.

A home owner’s insurance typically covers the entire home. Dwelling insurance is part of the home owner’s insurance most of the time.

Types of damages covered

An insurance company typically covers damage from sudden circumstances like weather or fire damage. The overall damage covered depends on the insurance policy and the causes of the damage.

Steps to getting your coverage

A tree has fallen on a roof after a storm

To avoid the ‘administrative errors’ that insurance companies use to get out of covering your damages, it is necessary that you follow the correct steps. The key thing is not to let your provider’s agents boss you around or dismiss your statements.

1.   Understand the coverage

Before anything, you should get a copy, or if you have one, read through the policy and understand it. This is to give you an understanding of the situation and prevent any situations that may make you miss out on the compensation.


A roof has a lifespan determined by the type of roof cladding and the weather conditions of the place. Other factors such as moss and plant damage also cause deterioration of the roof.

Some insurers offer a 10-year warranty or window for complete coverage beyond which the depreciated value is considered. The company will use the depreciated value of the roof’s cost before the damage occurs.

Types of coverage

Most insurance companies cover roof damage in one of two ways:

Coverage TypeDefinition of Cover
Repair CoverageThe repair coverage considers the roof’s depreciated value and the material used. The replacement cost may be low in this case.  
Replacement CoverageThe insurance company may cover roof damage caused by the factors stated in the agreement. It covers partial and complete roof damage from the events stated in the policy and returns the roof to a brand new condition.  

2.   Access the damage

Having the official documentation when filing for claims is essential. This is also why the causal family pictures on weekends may be more important than you think.

Like all other companies, an insurance company is about business and profit. They will send an agent to access the damage and find reasons why your claim shouldn’t go through.

The agent scrutinizes the roof’s before and after conditions, and presenting the documented damage is proof to get a step ahead.

3.   Contact roofing companies

A roofing company making repairs to a damaged roof

Find an agent from the roofing company who has expertise in dealing with claims. They should also be reputable to have a good working roof and not let the compensation go to waste.

Your roofing agent is responsible for a few things.

  • Damage report

There may be some parts of the roof that you may not know need replacement. The roof’s framing may have been damaged, like the ridge board and rafters, and the right step should be a total replacement.

The damage report also highlights parts of the roof, which should be stated in the claim to get it fixed. This should be written declaring the cause and extent of damage on the rest of the roof.

  • Prevention of further damage

Before you file for your insurance claim, you need to prevent your damaged roof from further damage. Doing this comes in handy in the case of storm damage whereby the roof and house are susceptible to more damage from being exposed.

You may be waiting for a claim to go through, and your roof gets damaged. Most insurance companies would not cover double repairs if the owner didn’t take steps to protect it.

Roof repairs may take a while, together with the filing process. The roofing company will cover or drape the roof while waiting to fix it.

  • Budget draft

A claim is completed when the insurer offers the owner the money to fix the roof. It may be a considerable sum of money, but a huge sum doesn’t mean that you’ll get a quality roof.

Having your roofing agent draft you the cost of fixing the damage will give you an insight into how much you may need from the claim.

4.   File the claim

  • Check for contingency clauses

Contingency clauses are requirements by either the insurance company or the roofing company for their services. There may be conditions on the contract that work to their advantage, and you need to check to see that they won’t be an inconvenience to you.

By the roofing contractor:

  • The roofing contractor may state that the money given from the insurance company excludes service fees. This allows the contractor to spend less on materials and has a profit margin on the insurance money and getting paid by you for their services.
  • Get multiple estimates

Before going to your insurance company with a quote on how much it will cost to fix the roof, you need to consult with multiple roofing contractors to find the best deal.

The best deal may sound price-based but getting a high-quality finish on your roof is always best.

About Mikku & Sons
Mikku and Sons red repair track with its logo painted on its side- roofing company track wraps
Our roofing company was founded in 2001 by Michael Riutta, who is still part of the ownership and management team. Between Michael, his two sons and co-owners, Devin and Joshua, and our crew members, we have many years of experience to handle any type of roof repair or roof installation solutions you may need.