Will Insurance Cover a Roof Replacement if it’s Old?

When you are in the position of making an insurance claim for roof damage, you can be sure that the age of your roof will matter when it comes to the amount of compensation you are going to get.

A roof replacement is very expensive.  An average roof (in terms of size and materials) costs about $7000, while a larger roof with a complex shape and high-quality materials may cost up to $30,000.

Even if your home owner insurance covers basic roof damage, your insurer may still deny you coverage if your roof is too old.Castle rock roofing companies

How can you know if your roof can be deemed as “too old”?  – This depends on the durability of the roofing materials, but it is safe to assume that a roof will not be a priority for your insurer if it is already about 20 years old. Additionally, considering that some roofing materials can be installed on top of an existing roof, you might think that you cannot experience insurance coverage issues in this case, but you would be wrong.  That’s because the structure of the roof is old, regardless the covering materials.  The best way to make sure that you can take full advantage of your insurance is to pay for a complete tear off the old roof. Schedule trusted Castle rock roofing companies to complete a roof inspection and repair estimate so you have that info when contacting your insurance company. It is also a good idea to keep your roof in good working order and up to date with repairs, so once you need to file a claim with your insurance company, you can prove that your roof was in its best condition prior to the claim damage.

In some situations, even if your roof is old, you may still be able to get some money from your insurance company, but it will likely be for repairs, not for a replacement.

 

The post Will Insurance Cover a Roof Replacement if it’s Old? appeared first on Diamond Exteriors.

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