If your roof is severely damaged and needs to be replaced, your homeowners insurance may cover the cost in some instances, but not others. It all depends on what caused the damage and whether you took preventative measures to avoid a problem. Here are some important things that you should know about insurance coverage for roof replacement.

When Insurance Will Pay for a New Roof

Homeowners insurance covers damage that results from a natural event or a sudden accident. If, for example, a storm with fierce winds tears shingles off your roof, your insurance company may cover the cost of roof replacement.

Sometimes a sudden event causes damage, but wear and tear or neglected maintenance also plays a role. It’s your responsibility as a homeowner to have your property inspected and maintained as necessary. If there isn’t proper maintenance, your insurance company won’t pay for the cost of roof replacement.

For example, a storm may cause a tree to topple onto your roof. If the tree was dying and you didn’t have it cut down, you may have to pay for the cost of roof replacement yourself because you didn’t perform the necessary home maintenance. Homeowners insurance also won’t cover the cost of roof replacement if the roof is simply old and has reached the end of its lifespan.

Contact Your Insurance Company to Discuss Coverage

If you aren’t sure if insurance coverage for roof replacement is available in your case, get in touch with your homeowners insurance company or your agent and explain the circumstances that led to the roof damage. The company may send an adjuster to conduct an inspection and may request maintenance records to find out how well you maintained your property.

Schedule a Roof Inspection

If your roof is damaged, contact LaBrusciano Roofing & Exteriors to have it inspected. A member of our team can assess the damage and tell you if it can be repaired or if a full roof replacement is required. If you need a new roof, we can give you an estimate. Call us at (610)624-8850 to make an appointment to have the roof on your Pennsylvania home inspected.