When the integrity of your roof is compromised due to age, wear and tear, or unforeseen events like storms, replacing it becomes a necessity. However, the financial burden of a new roof can be substantial. Many homeowners wonder: Does insurance cover the cost of a new roof in Illinois? In this blog, we'll cover insurance coverage for roof replacements in Illinois.
Understanding Insurance Coverage
Homeowners insurance policies typically cover specific perils, including damage to the roof caused by events like hailstorms, windstorms, fire, or vandalism. However, the extent of coverage can vary depending on the terms of your policy and your insurer. It's essential to review your policy documents or consult with your insurance agent to understand the scope of your coverage.
What Type of Roof Damage is Covered by Insurance
In Illinois, where weather fluctuations are common, understanding the types of roof damage covered by insurance is crucial. Damage caused by hail, windstorms, fire, or vandalism is generally covered under most homeowners insurance policies. However, damage resulting from normal wear and tear or lack of maintenance is typically not covered. If your roof is around 20 years old, there is a good chance that your insurance is not going to cover the cost of a replacement roof.
Filing an Insurance Claim for a Damaged Roof
If your roof sustains damage covered by your insurance policy, the first step is to file a claim with your insurance company. Contact your insurer promptly to initiate the claims process. Provide detailed information about the damage, including when it occurred and its extent. Your insurance company will likely send an adjuster to assess the damage and determine the coverage. You can also have a licensed roofing company inspect your roof for free to ensure that you need a new roof.
What Happens After Your Roof is Inspected
Once the insurance adjuster has evaluated the damage to your roof, they will provide an estimate for the cost of repairs or replacement. It's crucial to carefully review the estimate to ensure that all necessary repairs are included. Once you have your roof inspected by your insurance adjuster, it is important to have a reputable roofing company inspect the roof and give you a free estimate with the details that your insurance will require to cover the cost of the replacement roof.
How to Choose a Roofing Company for Your Roof Insurance Claim
When dealing with insurance, you will need a licensed roofing company that works with insurance providers such as Velazquez Roofing. Your roof is one of the largest investments you can make for your home, choosing a reputable company is crucial. Insurance companies will have requirements from the roofing company you choose to have the roof replacement done by. After your new roof replacement is complete, your insurance will most likely require proof of completion. Your roofing company will be able to provide all necessary documentation for your insurance provider.
Questions About Insurance Covering the Cost of Your Roof Replacement?
If you are in the Oak Lawn, Brookfield, Merrionette Park, Chicago or surrounding suburbs, contact our team for answers to any of your roof replacement on insurance concerns. Our licensed roofing contractors have helped hundreds of homeowners in Chicagoland with replacing damaged roofs!
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