What’s Covered and What’s Not: Homeowners Insurance and Roofing

Homeowners insurance is a requirement in most states, but unfortunately, many homeowners don’t know the ins and outs of their policy. Coverages vary widely by company. It can be overwhelming trying to navigate the minute changes presented in each one. 

Your roof is an important asset that provides protection to your family and your belongings. As such, it’s unwise to go without insurance coverage. A roof replacement in Des Moines can cost several thousand dollars, so you don’t want to be caught snoozing in this area.

Here’s everything you need to know about basic homeowners insurance in the roofing world. 

Is My Roof Replacement Covered?

Typically, home insurance policies will cover a roof replacement, but they often stipulate the type of damage covered and make adjustments for certain causes. For example, most policies will cover damage caused by weather-related events (like hail and wind). They’ll also pay up for acts of vandalism or fire-related incidents. However, normal wear and tear, mold and mildew damage, or wreckage caused by animals (like a raccoon or woodpecker) are noted exceptions on most policies. 

Other factors like age, the roofing manufacturer, and installation accuracy also play a role in determining coverage. Typically, roofs that are within five years of their expected lifespan are not covered. High-end roofing materials that are not properly installed will also raise a red flag with your insurance provider. For these reasons, it’s a best practice to read the fine print before hiring a roofer to complete your roof replacement in Des Moines.

How Much Will I Get When I File a Claim?

Homeowners insurance is like other types of insurance. It’s subject to a deductible. The deductible amount outlined in most policies is based on a percentage of your home’s overall value. Once the deduction is met, your carrier should help you cover the additional cost of repairs or replacement. That said, many policies only cover the cash value of your roof and not the total replacement cost. For older homes, this can be a significant issue.

What’s the Process for Getting Paid?

Insurance claims can be overwhelmingly complicated. In fact, they can be downright frustrating! In general, an inspection with a qualified roofer in Des Moines is a necessary first step before filing an insurance claim. During this process, your roofer will assess the damage and submit a full report (plus photo evidence) to your carrier to determine eligibility for coverage. They’ll also provide you with an estimated cost to repair or replace your roofing structure. Depending on your insurance provider, they may even send an adjuster to complete a follow-up inspection. 

From there, your damages will be evaluated under the guidelines of your policy, and a claim will be filed. If you qualify for reimbursement, your carrier will likely send you a portion of the funds to get the work underway and furnish the balance once the work is complete. 

Where Can I Find a Reputable Roofer in Des Moines

If your roof has been damaged and you’re in the market for a roofer in the area, look no further than Shamrock Roofing and Construction. We’ve been in the roofing business for over four decades, so we know the ins and outs of the insurance game. We’re always happy to help clients with their insurance claims.

Contact us today to get on our schedule for a free roof inspection or visit with one of our specialists. You don’t have to tackle your insurance claim alone — we’ve got your back!