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How to get insurance to pay for roof replacement?

A roof insurance inspector documenting damage to a homeowners roof

Ever wondered How to get insurance to pay for roof replacement? It’s crucial to highlight storm damage and understand the insurance process. Our guide lays out essential steps and insights to ensure you’re covered. Dive in for the details!

Why Does Insurance Pay for Roof Replacement?

Insurance is meant to protect homeowners from unforeseen damages caused by external factors, not gradual wear and tear. Therefore, for insurance to cover your roof replacement:

  • Your roof must have been damaged by extreme weather, such as heavy thunderstorms, hail storms, snowstorms, or tornadoes.
  • Damage from fallen tree limbs caused by strong storms is typically covered.
  • Accidents and unforeseen events like fires or fallen trees could also make a strong case for insurance coverage.

When Does Insurance Not Pay for Roof Replacement?

If you’re a homeowner residing on the Texas Gulf Coast, or even in Harris County near Galveston Bay, it’s crucial to understand a pivotal exclusion in your homeowners insurance. Contrary to popular belief in other parts of the country, your standard homeowners policy does not cover damage caused by wind and hail in these specific areas. (Source)

Before reaching out to your insurance provider, we recommend conducting a preliminary assessment of the potential costs associated with a new roof for your Texas residence.

Steps to Get Insurance to Cover Your Roof Replacement

A person checking a list of items for their insurance claim on their roof replacement

1. Understand Your Policy

Before initiating a claim, it’s paramount to understand your insurance policy. Does it cover roof repairs or replacements? Some policies might only cover a percentage of the costs, while others could pay for a full replacement.

2. Document the Damage

Use photos to prove your roof is damaged. Capture both exterior and interior damages. If a tree caused the damage, document that too. Photos serve as evidence when processing your claim.

3. Seek Professional Inspection

Before an insurance company approves any claim, they’ll need a roof inspection report and a cost estimate. Hiring a reputable local roofing company is advisable as they can provide a thorough assessment. This step is crucial because the insurance company might deny your claim without a professional inspection.

4. File the Insurance Claim

Once you have all necessary documentation and inspections done, contact your insurance company to file a claim. Ensure you stay in contact with your insurance agent throughout the process and provide any additional information they might request.

5. Beware of Scams

Following major storms, some scammers pose as contractors and prey on homeowners looking for repairs. They might make false promises, take money, and disappear. Ensure you research any contractor before committing.

6. Hire an Experienced Roofing Contractor

Once your claim is approved, choose a reputable roofing contractor with experience in insurance claims. They can guide you throughout the replacement process and ensure it aligns with your insurance company’s stipulations.

Things to Keep in Mind

Woman sitting at desk thinking about insurance claim for roof
  • Be Patient: The process can be lengthy. From filing a claim, getting approvals, to finally getting the roof replaced, it requires patience.
  • The Adjuster’s Role: Only an insurance adjuster can approve your roof damage claim. While a roofing contractor can advocate for you, the adjuster has the final say.
  • Avoid Premature Commitments: Wait to sign any paperwork or agreements with contractors until your insurance approves the claim.
  • Trust Experienced Contractors: It’s crucial to work with a roofing contractor familiar with insurance claims. They can help navigate the claim process and ensure you’re getting fair treatment.

Will You Pay a Deductible for a New Roof?

Before we delve into details, it’s essential to note: always consult with your insurance company about any deductibles. Every policy can differ. However, in many cases, you’ll pay a deductible before your insurance steps in for roof repairs or replacements.

In simple terms, most times, the amount you contribute for roof problems is the same as your main insurance deductible. But in storm-prone areas, if nature’s fury like wind or hail strikes your roof, the deductible might differ. Often, this is a percentage of your total house insurance coverage.

Example Deductible

Let’s break it down: Suppose your policy has a storm-related deductible of 3%. If a gusty windstorm damages your roof and your home’s insurance covers up to $150,000, you’ll likely chip in $4,500 first. After that, the insurance will pick up the rest of the bill.

If the damage is minimal, considering a repair instead of a full replacement might be more economical. If the repair cost is less than your deductible (using our $4,500 example), then seeking insurance coverage might not be the best route.

The Importance of Multiple Quotes in Insurance Claims

money on fire because homeowner did not get multiple roofing quotes

When facing roof damages, it’s tempting to settle with the first roofing professional you find. But pausing for a moment to gather multiple quotes can greatly benefit you in the long run. Here’s why:

Accuracy in Pricing

By collecting up to three distinct quotes, you’ll gain a comprehensive view of the current market rate for your roof repairs or replacement. This prevents underestimations or overpricing, ensuring that you’re not settling for less than your roof’s true repair value.

Bargaining Power with Insurers

Equipped with multiple quotes, you’re in a stronger position when negotiating with your insurance company. An insurance adjuster will generally provide an estimate based on their assessment. If their number is significantly lower than the average from your quotes, you have tangible evidence to justify a higher claim amount.

Identifying the Best Professionals

Beyond pricing, getting multiple quotes lets you gauge the professionalism, thoroughness, and responsiveness of different roofing contractors. This can guide you towards choosing a reputable firm that not only offers a fair price but also delivers quality work.


Getting your insurance to cover roof replacement requires a combination of awareness, diligence, and patience. While it might seem cumbersome initially, following the right steps ensures that you’re protected financially and that your home gets the necessary care it needs.

Always keep in mind to advocate for yourself, be patient, and ensure you’re working with professionals who have your best interests at heart. When in doubt, always revert to your insurance policy and understand the scope of coverage it provides. With the right approach, you can navigate the insurance maze and ensure that your home remains a safe haven.