We understand that your home is your most important asset, and protecting it is our biggest priority. AR Global Roofing works with every insurance company. Our project managers are experts when it comes to the insurance claim process. We will identify storm damage assist with filing the claim, and meet with your insurance adjuster. Our goal is to make this process as easy and seamless as possible for you.

Roofing Insurance Claims: What Does Insurance Cover?

Your insurance company may cover roof repairs or roof replacement – and you can typically find information on roof insurance coverage in the fine print of your insurance policy. Every carrier is different, but AR Global Roofing will be happy to assist you in making an insurance claim.

Many insurance companies cover roofing claims related to:

  • “Acts of God,” which are events outside human control

  • Falling objects

  • Fire

  • Hail

  • Lighting strikes

  • Vandalism

  • Wind

 

However, your insurance company may choose not to cover your roofing claim if your roof is old, or if you haven’t maintained it properly.

Likewise, insurance companies typically don’t cover intentional or accidental damage, or if your policy has windstorm or hail exclusions.

You should read your policy thoroughly to see what your insurance company will cover – and what it won’t

Does Homeowners Insurance Cover Roof Leaks?

Homeowners insurance may cover roof leaks, but only if they’re caused by a covered peril. Every insurance policy is different, so you need to check with your insurer to be sure. When a homeowners insurance policy does cover roof leaks, your insurance company will pay to make the repairs. However, you do need to know that most homeowner’s insurance policies do not cover damage due to a lack of maintenance or standard wear and tear.

How to Get a new Roof from Insurance

Your insurance company may pay for a completely new roof for you. However, the only way to get your insurance company to replace your roof (or, rather, to get your insurance company to pay for an all-new roof), is to show that it was significantly damaged by something that’s covered in your policy. The damage must be so severe that repairing your roof isn’t feasible – or that it would make more financial sense to replace the roof.

Generally, to get your insurance company to approve a roofing claim, you must:

  • Thoroughly document the damage. Your roof inspector will take several pictures, including photos of what caused the damage (such as a fallen tree). You should try to take these pictures before you make any temporary repairs to the roof, such as putting up tarp to protect your belongings.

  • Reach out to your insurance company immediately. You should let your insurer know that your roof has been damaged and explain the extent of the damage (to the best of your knowledge). You should also confirm with the person on the phone whether the damage is covered, as well as ask how long you have to file a claim. Additionally, if your roof damage was caused by vandalism or another criminal act, you should file a police report before you contact your insurance company.

  • File the appropriate paperwork to get your claim started. Your insurer will provide you with the forms you need to fill out to make a claim. As soon as your paperwork is filed, the insurance company can begin the claims process.

  • Hang on to your receipts. When you pay for any repair work on your home, make sure to get receipts. You’ll need to submit them to your insurance company, and they may reimburse you. Try to wait to have professional repairs done until you’ve spoken with your insurance company – your insurer may have a list of approved contractors, or they may need to speak with the company you’ve chosen to work with before approving repairs. Additionally, if you must stay in a hotel because your home is uninhabitable, save those receipts as well – your insurance company may reimburse you.

  • Prepare for a visit from an insurance adjuster. Your insurance company may send out an adjuster – a trained professional who will assess the damage to your roof. The adjuster will take several photos of the damage, what caused the damage (if possible), and the area around your home. The purpose of the insurance adjuster’s visit is to determine how extensive the damage is, as well as evaluate the approximate cost of repairing or replacing the roof.