Getting your roof much needed repairs
California is known as the place it never rains but ask any homeowner and they will tell you differently. It may not rain as much as other places, but it does rain. There are also storms and high winds, all of which can cause roof damage just like any other state may experience. Which is why homeowners need to verify their home insurance claim for roof repair is available and what exceptions, if any, apply.
Now this may have you asking, “Does house insurance cover roof leaks or not?”, and the answer for homes in California is the same as in any other state: It depends. Because not all policies are alike when it comes to home insurance roof leak coverage and roof damage. Most homeowner’s insurance policies will cover roof leaks and roof damage if the cause of the roof damage and roof leak are not excluded by the policy.
Now, will your homeowner’s insurance policy reimburse you for a roof leak repair, and any damaged caused by the roof leak to your belongings? This will depend on whether or not the insurance adjuster determines what the original was cause of the roof leak and the extent of the roof damage. Every insurance policy has a declaration page that explain what is covered (perils or acts of God) and what is excluded.
What kind of roof damage is covered by insurance?
Homeowner insurance policies all have list of “perils” that are included resulting in roof damage. Again, each policy is different, and they are not all limited to what is listed here:
- Damage by aircraft, riots, vehicles, volcanos, wind
- Falling objects
- Fire and smoke with wildfires excluded (this is a biggie in California)
- Hail damage
Other perils that may be listed on homeowner’s insurance policies include weight from ice, snow, sleet, household amenities freezing like HVAC system, busted water pipes, accidental discharge of steam or water damaged, electrical surge damages.
In general, peril coverage includes damaged sustained from accidental sudden incidents, UNLESS there are specifically stated exclusions. Coverage of your home insurance, roof age, and normal wear and tear of a roof will determine if your roof damage claims are denied or paid.
How do I get homeowners insurance to pay for a new roof?
First you should know how to prevent a homeowner’s roof damage claim from being denied is the first step. Hire public claims adjuster, who typically won’t be paid unless your insurance claim is approved. A paid public claims adjuster’s job will do the same thing the insurance company’s adjuster does, except they are looking at your roof damage from your perspective, not the insurance company’s perspective. In other words, they are working for you and since they aren’t paid unless your claim is paid.
Should I use insurance to replace roof?
The reason we have homeowner’s insurance is to pay for damages and losses sustained for various reasons, like roof damage. When you have substantial roof damage, it certainly is worth your time to contact the insurance company who will send their adjuster out to assess the roof damage.
You will then be notified by the insurance company, not the adjuster, if roof repairs or roof replacement is recommended and what they will pay for either one. In the meantime while you’re waiting for them to come back with that information, you should get estimates from 2 or 3 roofing contractors. This will give you have an idea what your roof damage is going to cost to repair or replace. When you get your insurance company’s offer, it may or may not be worth filing a claim.
Consider this scenario: A roof replacement estimate is $10,000. Your homeowner’s insurance is going to prorate the amount they offer based on their estimate of life remaining for your roof. They may offer you only $3,000 because your roof is 30-years old and you have a $500 home insurance roof deductible, meaning, your insurance is going to pay $2,500 of the $10,000, and that may not be worth filing the claim. However, if the insurance offers full $10,000 and you have a $500 deductible, it is well worth filing the claim.
How much does insurance go up after new roof?
The fear of increase in rates or cancellation of policy is often why a homeowner won’t file an insurance claim. In most cases, a single roof damage claim will not cause an increase in home insurance rates or cancellation of policy.
What causes most homeowner’s insurance increases are when an entire area has been affected by Acts of God or perils. When an entire county has been damaged by hail or windstorms, there is a good chance every homeowner is going to see a slight increase. Or if you are a repeat claim filer, for instance, you’ve filed several roof damage claims caused by tree limbs falling. For the majority of insurance companies, they expect to pay claims for loss – that is their business.
Before you actually file your claim, as we suggested, you can hire a public adjuster to review your case. If they feel you have a good case, they’ll tell you because they’ll make money from it too. Or you can call your agent direct and ask them to advise you whether you should file your insurance claim. You don’t have to call the claims department directly first. Get some guidance if you’re unsure. Call Weatherline Reroofing & Repairs Inc. today at (714) 731-3425.