Getting Homeowners Insurance With a Bad Roof


When getting homeowner's insurance, it's important to understand the details behind it. 

Most states require a policy to cover wind, fire, and hail damage, but the type of roof you have can impact your coverage. Generally, a roof's age, slope, and construction all factor into how much your homeowner's insurance will cost. Read to get the full details on how to get homeowners insurance with a bad roof.

Know the limits

A homeowner's policy typically covers the cost of repairing a roof damaged by a storm, fire, or hail. But there are limits — depending on the insurance company and policy, the insurance company might only pay up to a certain amount.

Get a Separate policy.

A roof is a major investment, and many homeowners insure their roofs separately under a separate policy. While many homeowners have a separate policy for their roofs, not everyone does. The roof's age, material type, and condition are all factors that affect how likely it is to leak — and, therefore, how expensive it is to repair. If the conditions of your roof are old or in disrepair, the cost of repairing it could be more than your deductible. In this case, you can get a separate policy for your roof.

How to Claim Home insurance with a bad roof

You can take several steps to get homeowner's insurance if you have a damaged roof or suspect your roof may be damaged.

Get a free inspection.

The insurance company can you to get a licensed contractor to inspect your roof, or they may accept an estimate directly from a licensed contractor. Your policy will specify what's covered and what's not.

The insurance company may ask for roof and roof system information, including:

The age of the roof

The type of roofing materials used

Repair or replacement costs

History of hail damage and repairs

A history of fire or lightning damage

A history of leaks

History of wind damage

A roof's condition affects its value, and that value affects whether your insurance policy covers any repairs or replacements.

The insurance company may also ask for repair estimates and estimates from a roofing contractor. If the insurance company accepts the estimates, it will use the costs to determine your coverage and the amount you owe.

Get an estimate

Once you have the assessment result, you can use that information to estimate how much it will cost to fix your roof or replace it.

Get a roof replacement estimate.

Once you have a quote, you can decide whether it's worth repairing your roof or getting a new roof altogether.

File a claim

Once you've made your decision, contact your insurer and file a claim. In some circumstances, the insurance company may deny your claim.

Reason for delay or denied claim

 It may require proof that the damages occurred under your roof or that you didn't cause them. 

It may also require you to prove that you followed the insurance company's procedure for filing claims.

Also, some companies may deny your claim because of insufficient roof coverage. If your home has a storm or hail roof, for example, you may have no coverage if the policy does not cover your roof’s material or composition. 

Other companies may deny your claim if your roof's age is too old. If it's more than ten years old, some insurance companies may no longer cover it.

If your insurance company denies your claim, you can appeal the decision to state insurance commissioners, who have the authority to enforce insurance.

Get paid

If your roof is deemed structurally sound, you'll get a cheque from your insurance company and get paid.

Final Words

Homeowners insurance protects you from fire, theft, natural catastrophes, and many other risks. The insurance company will pay for repairs or replacement of damaged property up to your policy's limit. When looking for homeowners insurance, it's smart to shop around and compare quotes. That way, you can pick the policy with the best price.