You can trust your roof to be one of the most important parts of the home at Dexteriors Home Remodeling. It protects your family from the elements and your property from the integrity. When damage occurs, many homeowners are left wondering: Does Homeowners Insurance Pay For A Roof Replacement? It depends, and there are a number of factors: the cause of the damage and the terms of your insurance policy. This guide explores how insurance coverage works for roof replacement, how to navigate claims, and what you need to know about the potential cost of a new roof.
Does Homeowners Insurance Pay For Roof Replacement?
Most homeowners insurance policies provide coverage for roof replacement if the damage is caused by a sudden and unexpected event. These are usually called covered perils.
Covered Perils Include:
Storm Damage: Shingles that have been damaged by high winds, hail, or hurricanes that create leaks.
Falling Trees: Tree or large branch falling on your roof during storm.
Fire Damage: Damage caused by house fires or nearby wild fires.
If your roof is damaged as a result of such events, your insurance policy may help pay to fix or replace it. We have vast experience at Dexteriors working with homeowners to determine accurate damage assessments and fast track the claims process.
What Isn’t Covered
Insurance policies typically exclude damage resulting from:
Wear and Tear: End of life roofs.
Improper Maintenance: Damage caused by neglect, such as neglecting to clear debris or leave leaks.
Cosmetic Issues: Dings or scratches that don’t harm the roof’s efficacy.
How Much Does A New Roof Cost?
One of the biggest concerns homeowners face after roof damage is understanding the cost of a roof replacement. The price varies based on several factors:
1. Size and Pitch of Your Roof
The more labor and materials required to install them, the larger or steeper the roof, which raises the cost.
2. Roofing Materials
The material you choose significantly impacts the price:
Asphalt Shingles: $4.50–$6.50 per square foot.
Metal Roofing: $14–$19 per square foot.
Tile or Slate Roofing: $17–$25 per square foot.
Because we provide you with customized estimates depending on your roof specifications and your preferred materials. Learn the differences between metal vs. asphalt roofing systems. Need help deciding? Learn more about asphalt vs. metal roofing.
3. Labor and Permits
Labor costs vary by region, and certain municipalities require permits for roof replacement. Additional costs to add to your budget.
Here is a general breakdown: (estimate based on home size – total interior sq. ft.)
- 1,000 sf Townhome $6,000 – $10,000
- 2,000 sf Single-family $13,000 – $18,000
- 3,000 sf Single-family $18,000 – $23,000
- 4,000 sf Single-family $20,000 – $25,000
Navigating Insurance Claims for Roof Replacement
Filing an insurance claim for a damaged roof is overwhelming. Here’s how Dexteriors Home Remodeling can help:
1. Assess the Damage
We thoroughly inspect to document the damage by photos and by detailed reports. This is very important documentation for insurance claims.
2. Understand Your Policy
All policies are not the same. Others offer some cover replacement cost and others only cover actual cash value. If you’re struggling to understand your policy and how it applies to your situation, we can help.
3. Help With the Claims Process
We work with your insurance adjuster to make sure all the repairs necessary are covered. Being roofing and construction experts, we know how to give estimates that comply with the insurance.
Preventative Maintenance to Extend Roof Life
Keep up with your investment by utilizing these maintenance tips:
Inspect Regularly: Annual inspections catch small things before it becomes a major problem.
Clear Debris: Clean gutters and remove leaves or branches from your roof.
Trim Trees: Shingles can be damaged by overhanging branches that leak.
Check After Storms: After severe weather check for missing shingles, dents, or leaks.
New Roof Costs – How Dexteriors Can Save You
Replacing your roof is a big investment, but it doesn’t have to break the bank. A solution that fits your needs and budget is what we aim to bring to our customers at Dexteriors.
Here are some tips to help you lower the costs:
Seasonal Discounts: Schedule your roof replacement in the off-season to take advantage of lower demand.
Material Choices: Asphalt shingles are a good, inexpensive option and overlays can save on labor. But it should also depend on the type of property, like a modern or historic home.
DIY Preparations: Old roofing materials can be removed by yourself (if it’s safe), which can reduce labor costs.
Financing Options: We offer flexible payment plans to help make your roof replacement affordable.
How Do I Choose Dexteriors Home Remodeling?
Dexteriors Home Remodeling takes pride in offering high quality roofing services with the customer in mind. Whether it’s helping you with insurance claims or delivering expert craftsmanship, we’re here to protect your home and help it look its best. Let’s schedule a quick call to discuss your roofing needs.
The cost of a roof replacement ranges from $5 to $14 per square foot based average single-family homes in New Jersey & Pennsylvania. That leaves typical single-family home costing anywhere from $12,000 – $17,000, on average for our area. The price depends on the home size, roof complexity & pitch, and material choice. We provide competitive pricing and free estimates at Dexteriors Home Remodeling so you can get a same-day replacement estimate for your home.
Insurance often covers roof replacement if the damage is due to a covered peril, such as a storm or fire. However, wear-and-tear is not covered. Insurance companies will send an adjuster out to determine if the damage is qualified. Unfortunately, many times they will refute the claim. That’s why it’s important to have a qualified and reputable contractor in your corner to help support the evidence with your insurance company.
Of course, we work with you to choose the materials that fit your budget and needs; whether it be asphalt shingles, or metal or tile roofing. In an event of insurance paying for the replacement, you’ll have to stick to a similar material that was on the roof prior to the loss. Quality asphalt roofing products are available at entry-to-mid level pricing.
The costs can be reduced through scheduling during the off season, using cost effective material, and capitalizing on financing options.
Roof lifespan varies by material:
Asphalt shingles: 20–25 years
Metal roofing: 40–70 years
Slate or tile: 50–150 years
If you are planning to file an insurance claim and would like to start with a roof inspection, contact Dexteriors Home Remodeling today. The sooner action is taken, the greater it can prevent damages and costs.
Dexteriors Home Remodeling is a licensed home remodeling contractor in PA & NJ. The information provided in this article is for general informational purposes only and does not constitute professional advice. Dexteriors Home Remodeling is not a licensed insurance agent or legal professional. Please consult with a licensed insurance agent or attorney for advice specific to your situation.
