Will Insurance Cover my Roof?

How to make sure you are optimally covered for roof repair or replacement service

Finding out your roof has a leak or needs to be replaced can be a nightmare. The costs can be a financial burden or worse.

When facing a roof repair or replacement homeowners are hopeful some or all of the costs will be covered by their homeowners insurance policy.

Read on for helpful information regarding choosing a policy and ensuring coverage is available when/if the situation arises.

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Choosing your policy

Every insurance company has different speculations and guidelines listed in their policies. Read your policy carefully before and after signing.

Common events that cause roof damage such as 
 - High Winds
 - Hail
 - Lighting
 - Fire
 - Fallen trees
 - Flooding
 - Earthquakes
 - In Home Plumbing Malfunctions 
 - Foundation Shifts 
are covered by some home insurance policies, and not others. Make sure you are covered for the events that are most likely in your location's weather and land makeup. 

​The most important thing to do is read the insurance policy carefully. Take note of the events that the policy will and will not cover.

Coverage considerations

Before deciding the extent to which your repair or replacement will be covered your insurance company will look at some basic considerations. Such as:

• What was the cause of the damage?
• Did a natural disaster contribute to the cause of damage?
• What is the extent of the damage?
• What is the age of the roof?
• Has the roof been properly maintained?

Find a roofer that will work with your insurance company

Make sure your roofing contractor who can give you an honest estimate of the damages in a way your insurance company will accept. Most roofing contractors have a good understanding of how insurance policies work and can assist in filing your claim. ​At Joye Roofing, we work with your insurance agent and adjuster to get as much covered as possible.

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And please remember we are always there for you. If you have questions give us a call at (803) 407-5569 or comment below. ​