How to Use Your Home Insurance to Cover Roof Repairs

• Get an Estimate: When filing an insurance claim for roof repairs, start by obtaining a repair estimate from a reputable roofing company. Experienced roofers may also assist with the insurance process.
• Full Coverage: Full insurance coverage for roof repairs is rare, but may apply if the roof is new, in excellent condition, or damaged by a storm or freak event like a falling tree.
• Roof Replacement: Insurance may cover a full roof replacement if repair costs are higher than replacing the entire roof. A detailed report from a roofer strengthens your case.
• Factors Considered: Insurers evaluate the roof’s age, condition, and cause of damage (e.g. storms, fire, vandalism). Roofs under 10 years old and those regularly maintained have a better chance of receiving coverage.

When unexpected damage occurs to your home, you’ll want to know how to repair it quickly, to a high standard and at an affordable rate.

Roofing repairs are no different and it isn’t always clear whether your home insurance will cover roofing repairs.

This month, let’s look at the factors that will contribute to whether you are entitled to have your repairs covered by an insurance claim, and if it will be covered in full or in part.

Get an estimate for roof repairs

When filing a claim for a roof repair, you’ll need to provide an estimate for the costs of repair.

To do this, contact a reputable roofing company.

Longstanding professionals, such as the team at Abbey Roofing, will give free quotes for roofing repairs or replacements.

Your trusted roofing specialist will likely have experience with roofing insurance claims and may be able to help with questions you may have about the general process.

Fully covered roof repairs

In a few cases, roof repairs are fully covered by insurance.

However, this is rare and most of the time, only part of the cost is covered by home insurance.

Full coverage often applies if the roof was in very good condition, was brand new or if damage was caused by a storm or other freak event, such as a falling tree.

Roof replacement cover

Another scenario involves looking at whether your insurance copy will cover a full roof replacement.

In this case, it is important to get a detailed report of the damage done to the roof.

You stand a better chance if a professional roofer can summarise why a new roof is needed – this is often because the costs of individual repairs to a few smaller areas outweighs the cost of a full roof replacement.

Factors to consider

When reviewing a claim, insurance companies look at several factors to work out whether your claim is valid and what parts of the costs they will cover.

The age of the roof is one such factor. A roof that is less than 10 years old is generally considered quite new.

The condition of the roof is another factor. If you happen to have had your roof checked recently or regularly, this can stand you in better stead with the insurance claim.

The cause and severity of the damage is also a major factor.

Natural disasters, such as storms and tree fall, unexpected disasters, such as fire and also vandalism are typically offered cover of some form or other.

Here at Abbey Roofing, we have a dedicated and skilled team of roofers with more than 20 years’ experience working in both the domestic and commercial roofing sectors.
We work hard all year round, carrying out emergency repairs and re-roofing, and take great pride in the reliable and quality service we deliver.

We offer a range of roofing services including; lead roofing, slate roofing, flat roofing, felt roofing, sheet metal roofing, emergency roof repairs, commercial roofing, new roof installations, gutter cleaning.

To customers in Hemel Hempstead, Watford, St Albans, Bedford, Slough, Milton Keynes, Watford, Barnet, Harpenden and beyond.

Why not contact Abbey Roofing for a free quote today, quality skilled trademen at great prices!