Roof replacements aren’t often considered until a weather disaster or a fallen tree forces you to figure out what you will do with a damaged roof. When their home needs roofing repairs, many homeowners assume that their homeowners’ insurance will pay, but unfortunately, that is not always the case. However, you can learn how to get insurance to pay for roof replacement under the right circumstances.

The long process of getting your insurance to approve your claim can be frustrating. Still, after you’ve dealt with insurance, you can trust the professional roofing contractors at Silver Creek Roofing to get the job of replacing your roof done quickly and efficiently. We want to help you feel comfortable in your home again, with a roof that will protect you and your family from the elements.

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How To Get Insurance to Pay for Roof Replacement?

The first step to getting the roof replacement you need with insurance funding is understanding your insurance coverage. Some states have laws about the types of insurance policies allowed, and they also have timelines for how long you can wait before you file a claim. The average wait is 30-60 days, but if there is a lot of damage to your roof, you probably won’t wait that long anyway.

If you’ve recently had severe roofing damage or want to prepare for that event, it would be a good idea to look over the details of your coverage policy. Once you understand your coverage, you can figure out how to get your insurance to pay for a new roof.

What Do I Do If I Think I Have a Claim?

If you think you have an insurance claim, make it a priority to contact your insurance company to file an insurance claim. They will advise you on the next steps, including calling a roofing company for an inspection or waiting for the insurance adjuster to come out and look at the damage. Some insurance companies will require that you cover the damaged area to prevent further damage while waiting for the adjuster or contractor to come.

After the roofing contractor assesses your roof and details the damage to you and the insurance company, you must wait for the insurance adjuster to approve or deny your claim. If your insurance sends out their roofer to check out the damage, they may act in the best interests of the insurance company, not yours. You may want to have a trusted roofing company like Silver Creek Roofing come out and inspect the roof for you, in addition to the agent the insurance company sends.

A detailed inspection report from a professional roofing company like ours will help your case and may increase the odds that your insurance pays for the replacement cost. Still, the insurance adjuster has the final say in whether your insurance will pay for the damage. If the adjuster decides you have a claim and the insurance company approves that claim, you can schedule your roofing work. If they decide you don’t have a claim, you may file an appeal.

Why Wouldn’t Insurance Cover the Cost of a Replacement?

An image of shingles that are lifting off the roof due to improper ventilation in the attic.Under certain circumstances, your insurance will be more willing to pay for your roof replacement; depending on your policy, you may be eligible to have either a repair or a total replacement covered. Your insurance may not cover a roof repair or replacement if their contractor deems that:

  • It was damaged through natural wear and tear
  • There was poor installation of the roof, so the damage was inevitable
  • The attic had inadequate ventilation, which can cause shingles to cup, leaving them vulnerable to damage
  • The damage is cosmetic and should not affect how the roof protects the home
  • There was no regular maintenance performed, leaving the roof vulnerable to potential damage
  • The roofing material was not high quality, and weather conditions would break it down more quickly
  • You didn’t take precautions to prevent further damage after the original event

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How Long Does a Roof Replacement Take?

It may feel like an exceptionally long time when you are waiting for a roof replacement, especially if your roof damage affects your quality of life. Many factors go into how long it will take to get your roof repaired, including how long it takes your insurance to approve or deny your claim.

If you live in an area where there was an intense storm and several homes were damaged, expect that you will likely need to wait longer for your roofing replacement than you would have to if it were a one-off event and only your roof was damaged.

Remember to always work with a reputable, local roofing contractor after your claim approval. They know your local building codes and will be there if you have problems with your roofing down the line. Trusting a roofing company that comes into the area after a storm causes damage, sometimes called “storm chasers,” could mean a shoddy job done on your roof and no help if the roof has issues in a few months.

After your insurance has approved your claim to pay for your roof replacement, you can trust your roof to the experts at Silver Creek Roofing because we offer a long-term guarantee for your peace of mind. We stand behind our quality of work, the materials used, and our knowledge of local laws regarding roofing. Rest assured knowing your roofing costs are covered, and your home is protected.

Once Your Claim Is Approved, Leave the Work to Us!

You’ve had enough on your plate, dealing with insurance claims, protecting your home while waiting for repair, and figuring out how to get insurance to pay for roof replacement. Sit back and breathe a sigh of relief as the experienced professionals at Silver Creek Roofing replace your damaged roof with skill and excellent attention to detail. Get in touch with us today, and we will send one of our professional roofing contractors to offer a free on-site inspection!

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