CAN I CLAIM FOR A NEW ROOF ON HOUSE INSURANCE?

House insurance is to protect your home and possessions in the event of a disaster, but it also protects you financially for some of the more common mishaps.

One example is if your old roof has been damaged by wind or storm damage, causing water leaks to start appearing inside the house.

How Roof Coverage Works

You may be able to make an insurance claim for a new roof, which offers you coverage from damage sustained to the outside and inside of your house.

The policy was created assuming most homeowners would have their houses insured for the total replacement value.

As such, it protects you from financial loss should any of your possessions get damaged beyond repair so that you can replace them with something of similar value.

A new roof is probably one of the most expensive and nerve-wracking projects a homeowner can do.

However, it is necessary and will add value to your home, so finding out if your policy allows for the insurance company to cover it can be a smart move.

Special Considerations for Roof CoverageTypically, you will need to get a valuation from an appointed adjustor before yourhouse insurance pays out the cost of a new roof.

Although there is no specific period for your roof to be deemed ‘beyond repair,’ all insurance companies will generally place limits on the value you can claim or have individual policies with varying limits.

If your policy is worth more than the cap on what they are willing to pay each year, they may refuse to cover damage caused by storms, wind, or other potential disasters.