Have you recently spotted a problem or damage in your roof and you thought maybe I can get my insurance to help? Next you probably went to your laptop and googled just this phrase ” how to get insurance to pay for roof replacement ” right?
If so, you might be concerned about the cost you could have coming up. After all, roofs are expensive at the best of times. You should probably already be aware that roof repairs can cost loads, and complete roof replacement can cost even more.
However, you might not be aware that your insurance policy could cover all or some of the costs. Some people overlook this simple help and don’t even think of it, when the reality is that many insurers will help out.
This can be surprising to many people who simply think that insurers will look for any excuse not to pay out, but that’s not always the case – especially if you’ve got a watertight policy. So if you want to save on your roofing repair costs, you need to find out whether you’re covered and what factors could affect getting the money you’re owed. In this article, we’re going to have a look at them.
So how to get insurance to pay for roof replacement – Get a clear idea of how your roof was damaged
Before you can really find out whether your insurer is likely to pay out or not, you need to know how and why your roof was damaged in the first place. Your home insurance policy should have a list of things it does and doesn’t cover. If your roof is damaged or in need of repair, simply through wear and tear and because it’s old, this might not be covered by an insurer.
Other things that might not be covered could include water damage, and especially wind damage. You might need to take out separate wind or hurricane cover for that. Other weather conditions and disasters like earthquakes may or may not be covered, so before you start checking the smallprint, you’ll need to get a good idea how your roof got into this condition.
If it was from poor workmanship and simply broke by itself way before it should, this could be something an insurer is more likely to help out with. They also might be more likely to help if it was man-made damage.
You might not be able to see how your roof was damaged yourself unless it’s obvious. You could ask a professional roofer to come and have a look. You might want to ask for supporting documentation that you can give to your insurer to support your claim.
Look carefully at your insurance policy
Some people get confused between different types of insurance policies. You need to make sure you’re looking at building insurance rather than contents. They’re completely different, but some people get them mixed up.
Construction and building insurance is what we’re looking for, because it should cover the exterior of your home rather than what’s in it. Once you’ve got that sorted, you need to look carefully at a few other things:
Make sure you’ve kept your payments up to date and that you are still inside the terms of your policy. Insurers can look for excuses not to pay, so don’t give them one.
The next step is to look closely at what is or isn’t covered by your policy…
Make sure the type of damage is covered
As we’ve already touched on, once you’ve found out how your roof got damaged, you can start looking at the small print in your insurance policy. Make sure the specific type of damage source is covered, and especially make sure the roof is included as part of your building insurance.
These policies can have lots of caveats, so you might want to take a few hours to look through everything, and take notes if necessary for when you need to get in touch with your insurer.
Get a range of quotes from roofers
Once you think your roof should be covered by your insurer, you’ll need to find out how much it’s likely to cost. Invite a few different roofers to come and give you a quote, they should be more than happy to do so and might offer competitive rates.
While your insurer might want to choose which roofer you go with (normally the cheapest), it’s worth getting a good idea of how much this is likely to cost when you present it to your insurer.
Check your excess
Many insurance policies have an “excess” where you pay the first amount on any claim. This could be hundreds, or even thousands. If you have a large excess, that could mean that most or all of the roofing work would be paid for by you anyway, so this might make it unnecessary to even start negotiating with your insurer.
If your excess is smaller and won’t get anywhere near covering the roof repairs, then you’re going to need to start talking to your insurer next. Make sure you’ve got enough to cover the excess, however much it is.
Phone up your insurer and discuss the issue
Once you’ve done all the research into your policy and the roof, and have supporting documents and everything else you need, phone up your insurer and discuss things with them. They can sometimes resist paying out, but if you’ve got everything in order, things could be easier.
You might want to put this all down in writing and send a letter to them to help keep things in order. Fill out your insurance claim when you’ve got all the evidence you need, but be prepared to come to an agreement beforehand…
Try and come to an agreement with your insurer
They might be able to offer you a lump sum or agree to pay for the work themselves. Make sure you come to an agreement that works for you and will have the roof fixed in good tim
Be prepared to walk away and switch your policy
If your insurer is difficult, threaten walking away. You can also threaten legal action if you really think they aren’t offering to pay for what they should be. Be strong and forthright with your insurer, and make sure you’ve got all the evidence you need to back up your claim.