woman asking roof replacement questions and getting an estimate
Posted on: February 15, 2022

When a big storm rolls through your neighborhood, it can cause major damage to your home or roof.

Trees fall, hail can hit your home hard, and high winds will wreak havoc on shingles. Replacing your roof is essential to making sure that your home is well taken care of and that your family is protected from more harsh weather that can follow.

Insurance claims are a great way to get your roof well taken care of without having to pay all of the bills on your own. We’ll answer your roof replacement questions regarding insurance claims and roof replacements in this post.

What Type of Insurance Coverage Do You Have?

Before we can get too granular about different coverages and insurance-related questions, it’s important that you know the type of insurance coverage that you have on your home or roof.

There are generally two types of homeowners insurance policies: actual cash value (ACV) and replacement cost value (RCV).

Actual cash value insurance will pay out the current market value of your roof, while replacement cost insurance will reimburse you for what it would actually cost to replace the roof.

couple going over their insurance coverage and roof replacement questions

Common Insurance Related Questions

Many homeowners are curious or unclear about how insurance can help them replace their roof. Here are some of the most commonly asked insurance questions.

How Can I Get an Insurance Claim for my Storm Damage?

Filing an insurance claim is the best way to get your roof repaired or replaced after a storm. The first thing you need to do is call your insurance company and report the damage.

Your insurance company will send out an insurance adjuster who will assess the damage and create a claims report. Once the report is complete, your insurance company will decide if the damage is covered under your policy and how much they will payout.

Some roofing companies prefer to see your roof at the same time as the insurance company.

storm damage covered under insurance

Should I Tarp or Temporarily Fix the Damage?

If there is a hole in your roof, you should cover it with a tarp to prevent further water damage. If there is significant damage to the roof and it’s not safe for you or your family to be in the home, then you should call a professional to come and temporarily fix the issue until insurance can send out an adjuster.

Before ever climbing up onto your roof during a storm make sure that it’s safe. Lightning, winds, and a wet roof can all make for a very dangerous walk on the roof so be careful and don’t take any unnecessary risks.

home being covered with tarp and plywood after storm damage

Will My Premiums Go Up When I Make a Claim?

This is a question that insurance companies don’t really like to answer, as it varies from policy to policy. But most companies allow for one or more claims before increasing the premium.

Most claims won’t cause your premium to go up, however, if you have a history of making claims then your insurance company may increase your rates.

What’s the Payment Process Like for an Insurance Company?

The payment process can vary depending on your insurance company and the damage that has been done to your roof. More extreme damage may be paid more quickly.

Some insurance companies will pay out the entire cost of the roof replacement once it’s completed. Others may pay out a portion of the bill when work is started and then the rest when the job is complete.

Should I Get More Than One Opinion?

It’s always a good idea to get more than one opinion when it comes to roof replacement and your insurance claim.

Some insurance companies may require that you get multiple estimates before they will approve the claim. This is because they want to make sure that you are getting the best possible deal on the roof replacement.

How Many Estimates Should I Get?

Most insurance companies will require that you get three estimates. This is to ensure that you are getting a fair price for the replacement and that you aren’t being taken advantage of by the roofing company.

Unless you have complete trust in one roofing company, be sure to get more than one estimate.

woman asking roof replacement questions and getting an estimate

Can I Hire the Roofer of My Choice?

Yes! You are allowed to hire the roofer of your choice as long as they are licensed and insured to work in your area.

If the roofer you choose is not in your insurance company’s network, they may still be able to work on your roof. However, the insurance company will most likely only pay a predetermined amount for the job.

What Damage Can I File a Claim For?

Most insurance companies will cover damage from a storm, such as:

  • High winds
  • Rain
  • Hail

Some insurance policies may also cover other types of damage, such as water damage or fire damage. It’s important to read your policy carefully to see what is and isn’t covered.

Roof with hail damage and markings from inspection after roof replacement questions

What If I Caused the Damage?

If you caused damage to your roof, then insurance may not cover the cost of the replacement.

You are responsible for fixing most damage that you cause and should have a homeowners insurance policy that covers this type of incident. But be sure to read the fine print on that policy.

Hire a Roofer You Can Trust

Hiring the right roofer is very important. It makes all the difference in having a successful roof replacement for your home and making the best roof insurance claim possible.

WISA Solutions is one of the best roofing contractors in all of Virginia. When you hire WISA you get the very best for your home and a team that goes above and beyond.

Contact our team for a free inspection today!