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Does Insurance Pay for a Roof Replacement?

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When your roof has been damaged and you need repairs or a replacement, you might be wondering if the work will be covered by your homeowner’s insurance. The short answer is that it depends. Your roof damage needs to be extensive enough to make replacement the best option. Plus, the insurance company will only cover damage caused by certain events.

At Idaho Roofing Contractors, we have experience working on storm damage restoration projects that require insurance payments. Our team knows a little bit about the process, including how insurers go about deciding whether or not your claim will be covered.

What is Covered by Roof Insurance?

Homeowner’s insurance typically covers any roof work that falls within their covered perils. These are specific events that damage your roof, such as a hailstorm or fire.

Some common perils that may be covered by your roof insurance in Boise and the surrounding areas include:

  • Fire Damage
  • Lightning Strike
  • Hail Damage
  • Wind Damage
  • Snow or Ice Damage
  • Impact Damage
  • Explosive Damage
  • Theft and Vandalism

Financial Restrictions on Roof Insurance Coverage

Your insurance company will have certain limitations affecting how much of your roof replacement they can cover. For instance, insurers are very hesitant to provide an insurance policy on a roof that’s more than 20 years old. This can make it hard to find insurance that will protect your family in case of storm damage.

Another consideration is the total amount that the insurance company will pay for your roof repairs in Boise and the surrounding areas. The approved amount depends on the insurance adjustors’ recommendation, which in turn is influenced by your roofer’s storm damage report.

Specialized Estimates in Boise and the Surrounding Areas Using Software

Many Midwestern insurance adjusters also rely on a popular computer software, called Xactimate, to calculate how much coverage the insurance company will approve for repairs or replacement. Xactimate is used widely by insurance companies, contractors, and construction companies, and it provides consistent and uniform quotes across the board.

This program and others like it rely on data similar to the following to create repair estimates.

  • Labor Hours
  • Building Measurements
  • Material Types

Some roofing companies will also have experienced insurance adjusters on staff who use this software to create detailed, accurate quotes that the insurance company is more likely to approve.

Get Started with a Roof Replacement in the Boise Area

As Midwestern contractors, we know how to handle the specific types of storm damage that can occur in this region of the country. From ice to wind damage, our team can quickly restore your roof. We can also provide a free damage report with estimate for your insurance claim.

Idaho Roofing Contractors offers comprehensive roofing services in Boise and the surrounding areas, like:

  • Roofing
  • Commercial Roofing
  • Storm Damage Restoration
  • New Construction

Call us to set up your free, no-obligation roof damage inspection. Or use our contact form to ask about any of our services and amenities.

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