Will Homeowners Insurance Cover A New Roof?
When you decide to install a new roof on your home, you are making an investment. It can be an expense well worth the expense if it is done properly and the right way. In order to get a quote that covers a new roof, you need to contact one of your local homeowner’s insurance companies. They will send a local estimator to inspect your home and give you a quote.
Roofs do wear down over time, especially during storms or years of bad weather. Deterioration will make the roof more likely to leak. In these instances, it will be necessary to have a roof replacement. Homeowners insurance will cover a new roof if you get a complete replacement or the repair of a portion of the old roof.
The cost of the total replacement varies greatly depending on the type of roof you have. If your roof is wood, chances are you will be able to get a fairly good price for a roof replacement. If your roof is made of concrete, tile, or metal, you may need to pay significantly more. Homeowners insurance will help you find replacement material that fits within your budget.
Before you purchase insurance, ask your insurance agent how much coverage you will need. They can give you an idea based on the square footage of your home and how old your home is. It’s important to have this number handy, so you will know what your total coverage will be prior to making a purchase.
When you decide to purchase insurance, make sure to shop around to get the best rate possible. You can start by comparing quotes from various insurance companies. Once you have narrowed down the top five companies that offer the best rates, call each one individually. In order to receive an accurate quote, you need to provide exactly the information that an insurance agent will need. This includes information such as name, address, phone number, policy amount, deductibles, as well as the type of roof you have.
Will homeowners insurance cover a new roof? The truth is, it depends. However, most homeowners should be able to make the same claims they can on their existing policy. For more information, contact a local agent today.
Will homeowners insurance cover a new roof if it is shingled? The short answer is yes. Your homeowner’s insurance should also cover your labor and materials costs associated with putting the roof on. If the roof shingles are replaced, however, your insurance should cover the cost of installation plus the actual cost of the replacement.
This post was written by a roofing specialist At All-Star Roofing. All Star Roofing is one of the best roofing companies in the Tampa Bay area! We are a family-owned and operated roofing business, and we strive to be the best in our industry. Our family has been in the Tampa Bay area for over 60 years, and our objective has always been to provide roofing services at a fast, reliable, and competitive rate. All-Star Roofing has a tradition of quality workmanship, servicing residential and commercial properties.