Frequently Asked Questions
Will my homeowner’s insurance cover the cost of a new roof?
Most policies cover roof replacements due to storm damage, but coverage depends on your policy and the extent of the damage.
How do I know if my roof damage qualifies for an insurance claim?
A professional inspection can determine if your roof has storm-related damage. If it does, you can file a claim with your insurance company.
Does my insurance cover leaks or only full replacements?
Coverage varies by policy. Some cover repairs for leaks caused by storms, while others require more extensive damage for a full replacement.
Will my premium increase if I file a roofing claim?
Homeowner’s insurance rates are affected by multiple factors, but claims related to natural disasters typically do not increase premiums.
Can I file a claim if my roof is old?
Yes, but insurance may only cover part of the cost, depending on the policy’s depreciation rules and the cause of damage.
How do I start the insurance claim process for my roof?
Contact your insurance company to report the damage, schedule an adjuster’s inspection, and provide any necessary documentation (such as photos and reports from a roofing contractor).
Do I need a roofing contractor before filing a claim?
It’s highly recommended. A contractor can inspect your roof, document damage, and advocate for you during the claims process.
What happens if my claim is denied?
You can request a reinspection, provide additional evidence, or work with a public adjuster to challenge the denial.
How long does the insurance claim process take?
It varies, but claims typically take 2-6 weeks from the initial inspection to approval.
What if my insurance payout is lower than my contractor’s estimate?
Your contractor can help negotiate with the insurance company, and sometimes supplements can be submitted for additional costs.
Do I have to pay anything out of pocket?
You will likely be responsible for your deductible, but insurance covers the remaining approved amount.
What if I can’t afford my deductible?
Some contractors offer financing options, but legally, they cannot waive or cover your deductible. Ask your consultant about other available options to asisst with your deductible.
Will my insurance pay the contractor directly?
Usually, the insurance company issues a check to you, the homeowner, but some cases may allow direct payments to contractors.
Do I have to use the contractor my insurance company recommends?
No, you can choose your own contractor. Since you chose RJS to navigate your claim and inspection, we also will be the company providing the replacement service as outlined in the service agreement.
How long do I have to file a claim after a storm?
Most policies allow 6-12 months, but it’s best to file as soon as possible.
What happens if I wait too long to fix my roof?
Delaying repairs could lead to further damage, which may not be covered by insurance.
What if I sell my home after filing a claim but before replacing the roof?
The insurance funds can sometimes be transferred to the new homeowner, but it depends on your policy.
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