Spring Storm Season: Will Home Insurance Pay for a New Roof?

Mar 15, 2024 | Personal Insurance

Spring and its vibrant, new growth is always a welcome change, yet the season of renewal can come with challenges, too. While most people love the soothing pitter-patter of raindrops on their roof, they seldom imagine it may be a precursor to a series of events that can test anyone’s patience, preparedness, and understanding of their home insurance policy.

When the weather gets severe, one of the most frequent questions we get at our insurance agency is, “Will home insurance pay for a new roof?” Fortunately, we have answers!

Understanding Home Insurance: Dig into the Details

When it comes time to purchase home insurance, it’s common for many homeowners to glance over their coverage without going too deep into the specifics. These policies generally cover damage caused by natural events, but the extent of coverage can vary significantly depending on a variety of factors including geographic location. 

While fine print doesn’t usually make for enjoyable reading, these variabilities expose the importance of understanding the details of your home insurance policy.

Two Key Factors: Age and Maintenance History

There are at least two critical factors that can affect the type of coverage a policy can have: the age of the home’s roof and natural deterioration. Insurance providers often distinguish between damage due to uncommon or unpredictable events, like spring storms, and the normal aging process of a roof, also known as “wear and tear.” 

A policy may cover the total replacement cost if the roof is not very old or has been recently repaired or replaced. However, regular maintenance can prevent potential disputes over what constitutes normal aging. The key lies in routine roof inspections and timely repairs. Properly maintaining your roof extends its life, helps protect against damage, and ensures your insurance coverage remains intact for those times when you need it most. 

For those who own a vacation property, diligent upkeep and having the right insurance policy become even more important. For more information, check out our blog post titled “6 Considerations for Vacation Home Insurance.”

Tips for Filing a Home Insurance Claim

If you think you’ve experienced an event or circumstance that requires you to replace your home’s roof, here are some steps you can take to see if your policy covers it:

Review Your Policy

Understand the details of your coverage regarding roof replacement. Look for a section called “dwelling coverage,” which outlines what events (often called perils) are covered for damage to the main structure of your house, which includes the roof. 

You’ll want to know whether your policy provides an “actual cash value” (which will only reimburse you for the depreciated value of your roof) or a “replacement cost value” (which covers the cost to replace the roof with a new one but may not cover upgrades).

Contact Your Insurance Company

If you have roof damage, promptly notify your insurance company and ask about the claims process. They should be happy to answer all your questions and walk you through any details you may not understand or be aware of.

Gather Documentation

Having records of roof maintenance and photos of the damage can strengthen your claim. Keep specific track of dates, receipts, communication with agents or vendors, and any other details related to the roof and its condition. Often, a severe weather event will affect multiple homeowners, so contact your neighbors about their experiences, as well.

For additional information about filing home insurance claims, read our recent post explaining “The 6 Best Pieces of Home Insurance Claims Advice” can offer invaluable guidance.

Eber & Associates: Your Partners for Life

At Eber & Associates, we believe in empowering homeowners with knowledge and support, ensuring they’re ready for whatever challenges a new season may bring. With a focus on providing rock-solid information and tailored insurance solutions, we’re here to help you protect against the unexpected.

Whether you’re involved in selecting a policy that offers the best protection for your roof or learning about the nuances of the claims process, Eber & Associates is your ally in navigating the complexities of home insurance. 

When the next spring storm rolls in, we want you to enjoy the rain’s melody without worry, knowing that your home and peace of mind are well-protected through life, for life.