How to Make Your Insurance Pay for the Cost of Replacing Your Roof
How to Make Your Insurance Pay for the Cost of Replacing Your Roof

Your roof may sustain significant damage as a result of severe weather, strong winds, or falling branches from nearby trees. If you have homeowner’s insurance, you shouldn’t have to pay for the damage out of your own pocket, but the process of filing a claim is really more involved than you may think it is going to be when you start looking into it. Our certified and bonded New Jersey roofer is going to share with you how to get insurance to pay for a roof replacement when you have major damage, missing shingles, and other serious concerns.

Determine the extent of the damage to your roof

If severe weather has recently affected your area and you are concerned about the condition of your roof, the first thing you will want to do is evaluate the area as soon as it is safe to do so and record evidence of the damaged roof by taking photographs or videos. If the condition of your roof has deteriorated significantly, you may need to replace it. Look for damage on the interior and exterior of the roof, such as leaks and water damage on the ceiling, using a ladder or a drone to get as close as you can to the roof. Look for damage on the exterior, such as missing shingles, punctures in the shingles, or exposed underlayment on the exterior of the roof. In the case that a tree has fallen and caused damage to your roof, you will want to obtain as many photographs of the tree as possible from a variety of angles in order to demonstrate the level of damage.

In the event that you have a claim, you need to contact your insurance agent as soon as possible to get the claims process started. On the other hand, if you really aren’t sure, you can always contact a reliable roofing contractor for further information. Through an assessment of the roof, they will be able to assess the level of damage and provide your insurance company with photographs and videos to support their claim. They will inspect the shingles, soffits, fascia, and any other components of the roofing system before making a recommendation to you on whether the damage sustained can be remedied with a roof repair or whether the insurance company should pay for a roof replacement.

Take the time to read your insurance policy

After you have determined that there has been damage to your roof, it is essential to review the coverage that your homeowner’s insurance provides. This step should be completed first to save time so that you can go on to the next one if you decide to have a roofing professional evaluate your roof for damage.

Your homeowner’s insurance coverage will, in most cases, pay to repair damage to your roof that was caused by a particular event, such as severe weather or tree branches and limbs that fell from a tree. Because of the roof’s advanced age and level of damage, your insurance policy will not cover the cost of replacing it. However, you should look at your individual insurance to acquire more detailed information because some plans have restrictions depending on the age of the roof. This is something that you should be aware of. Get in touch with the customer service department of your insurance company if you have any queries or issues about the services they will or will not provide.

How to Get Your Insurance to Pay for a New Roof Step-by-Step Instructions

You have evidence that the harm occurred, and you are aware of what your insurance coverage will and will not cover. Even with all of this information, filing a claim with your insurance company to have your roof replaced may be a difficult, drawn-out procedure that requires you to go through a number of processes.

  • You need to make a claim on your roof insurance, so call your insurance provider and let them know that you’ve had some damage done to your roof. They will instruct you on what steps you need to take, and at this period, if you have photographs or information from a roofing contractor, you will have the opportunity to submit this information as well.
  • Your homeowner’s insurance provider will send an adjuster to perform an inspection of your roof. The results of the inspection will be used to decide whether or not a repair or replacement is necessary, as well as the final amount that the insurance provider will pay out for the claim.
  • In the event that you disagree with their results, you have the option of obtaining a separate roof inspection from a contractor, if you haven’t previously done so. The contractor will then be able to supplement the adjuster’s findings and re-submit them to the insurance company for approval.
  • You will receive a conclusive determination from the insurance company, as well as the funds necessary to pay for a new roof.


Because most homeowner’s insurance policies have time limits on how long they will cover roof repairs or replacement after a storm, it is important to work quickly to submit your claim. It is also important to note that it is important to note that most homeowners’ insurance policies have time limits.

Selecting a Qualified Roofing Contractor for the Replacement of Your Roof

When severe weather passes through an area, it’s not uncommon for people who call themselves “storm chasers” to show up and make an offer to repair or replace your home’s roof. These are frequently companies based in other states that do their services in a hurry and at a low cost before moving on to the next city. They do not place an emphasis on quality workmanship, adherence to building codes, or ensuring that you have a sturdy and long-lasting roof, and in the event that you do encounter issues, it is highly likely that you will be unable to get in touch with the company.

Instead, it is crucial to work with a respectable roofing company that is fully licensed and insured, so that you can be assured that the people working on your property have the necessary skills and experience. Additionally, make it a point to study reviews of roofing contractors on Google, Home Advisor, or Angi in order to obtain additional information and schedule estimates to ensure that the money from your insurance will pay for the service that they provide.

Today is the day to schedule a free estimate for the replacement of your roof due to storm damage

If severe weather has caused damage to your home, we understand that the process of getting a new roof installed can be stressful. We at Wayne NJ Roofing make the process simpler for you by offering full inspections, rates that are in line with the industry standard, and craftsmanship that you can rely on. Call our qualified and insured roofing contractor at (862) 292-9892 or fill out the form below to learn more and schedule a free estimate with them now.