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How Do I Get Insurance to Pay for a New Roof?



Whether your home is in need of a new roof because the old one is damaged due to storms, winds, leaks or missing shingles, a complete roof replacement could be very expensive.


Majority of homeowners try to find out how to get insurance to pay for a new roof to reduce the expenses of a new project.

Working with insurance companies could be challenging, but if your home is in need of a new roof, a good conversation with these insurance companies is highly recommended. Discussed below are some tips from our team for how to get insurance to pay for a roof replacement.


1. Understand your insurance policy


Understanding how to get a new roof from insurance begins with the understanding of your existing insurance policy. Not all roofing problems are covered by all insurance plans, so it’s advisable to first understand the terms of your insurance policy before you can expect your insurance company to help with your roof replacement.

If your policy clearly states that your roofing scenario isn’t covered, there’s no need to continue with further conversations.


2. Document all damages and file your claim


Pictures with timestamps are one of the most secure ways you can document damages, making this step an important part in how to get homeowners insurance to pay for a new roof.

Having before-damage and after-damage photos with timestamps are very important, so that you can clearly show when the damages occurred. Once you have enough evidence and documentation, you can then proceed to file your claim with your insurance company.


3. Check with a professional


In some circumstances, you will need a professional roofing analysis to get your insurance claim approved. One of the best ways to document your roof damage properly, in addition to photos, is the opinion of an expert roofer.

Getting a roof inspection will provide you with a professional analysis of your roof that proves what kind of attention is needed.

It’s possible that your insurance company will suggest a roofing company for you or even make payments on your behalf for the inspection.


4. Get a price Estimate


As you work with a roofing professional for an inspection on your roof, remember that you and your insurance company will want to know what the cost of replacement will be. Ask for an estimate of a new roof when your roofer comes to inspect your roof.


5. Watch out for scams


Any time insurance or large home upgrades are involved, homeowners need to be careful of potential scams. Especially in the wake of big storms, scammers often Canvas neighborhoods looking for storm damaged homes they can promise a free roof to in return for some kind of information or other personal benefit.

To identify a legitimate company, you can request for a copy of their liability insurance or any other certificates to prove their reputability. You can check for their company’s address, to see their business license, and ask to see their feedbacks to check what sorts of complaints their business has received of recent


Work with trusted professionals


Innprecconroofing will work with you and your insurance company to help make your roof replacement project as smooth and hassle free as possible. Call the roofers you can trust to bring you peace of mind. Contact us today to get a free quote, or schedule a free in-home consultation and find answers to your roofing questions.


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