Will Insurance Cover A New Roof?

When your roof sustains damage or nears the end of its lifespan, you may wonder if homeowners’ insurance will cover the cost of a new roof. The answer hinges on factors like the cause of the damage, your policy specifics, and the roof’s condition. Understanding insurance coverage can save you time and money, especially if you’re in Powder Springs, GA, or the surrounding region. ReyLo Construction Group, your trusted roofing and construction company, offers top-tier roofing services, including repairs, replacements, and inspections, focused on your complete satisfaction. Contact us by text or phone today!

When Insurance Covers a New Roof
Homeowners’ insurance typically covers roof replacement if damage results from a covered peril, such as storms, hail, high winds, or falling debris like tree branches. For instance, if a storm in Powder Springs, GA, causes shingle loss or structural damage, your policy may cover repairs or a full replacement, depending on the severity. Standard policies cover sudden, accidental events but exclude wear and tear or neglect. Check your policy’s declarations page to confirm covered perils and coverage limits.

Factors That Influence Coverage
Several elements determine whether insurance will cover a new roof:

1. Cause of Damage: Coverage is likely for abrupt events (e.g., windstorms or hail) but not for gradual deterioration, like leaks from an aging roof. Insurers may deny claims if maintenance was neglected.
2. Roof Age: Roofs over 15–20 years old may only qualify for actual cash value (ACV) payouts, which account for depreciation, rather than full replacement cost. Some policies limit coverage for older roofs.
3. Policy Type: Replacement cost value (RCV) policies cover the full cost of a new roof, minus your deductible, while ACV policies pay less due to depreciation. Verify your policy type.
4. Deductibles: Expect to pay a deductible (e.g., $1,000–$5,000). In Georgia, wind or hail deductibles may apply, increasing your out-of-pocket costs.

Steps to File a Roof Claim
If you believe your roof qualifies for coverage, take these steps:

1. Document Damage: Capture photos and videos of issues like missing shingles or leaks. Note the date of the event (e.g., a recent storm).
2. Notify Your Insurer: File the claim quickly to avoid denials. Provide evidence and request an adjuster’s visit.
3. Get a Professional Inspection: we offer expert roofing inspections in Powder Springs and surrounding areas. Our team provides detailed assessments and repair estimates to support your claim.
4. Review the Adjuster’s Report: Compare the insurer’s assessment with our estimate. If discrepancies arise, appeal with our professional documentation.

When Insurance Won’t Cover a New Roof
Insurance typically excludes coverage for damage due to age, wear, or pre-existing issues. If your roof’s damage isn’t covered, you may face significant out-of-pocket costs. In such cases, we can help with affordable roofing solutions, from repairs to full replacements, tailored to your budget.

ReyLo’s Roofing Services
Serving Powder Springs, GA, and the surrounding region, we specialize in high-quality roofing services. We offer storm damage repairs, full roof replacements, inspections, and maintenance to keep your home protected. Our team works closely with you and your insurer to maximize claims and ensure a seamless process.

Insurance may cover a new roof for covered perils, but roof age, policy type, and deductibles play a role. Document damage, file claims promptly, and partner with professionals like ReyLo Construction Group. Serving Powder Springs, GA, and beyond, we provide expert roofing services focused on your satisfaction. Contact us by text or phone today for a free inspection or roofing consultation!