Roberts Insurance Group Blog
We work with a lot of Georgia homeowners and insure many homes throughout the state. A question we receive pretty frequently is: Will my home insurance pay for a new roof?
The answer to that questions is: Yes and no- it depends!
What Determines Whether Homeowners Insurance Will Pay For A New Roof?
The main thing to consider when it comes to roof coverage for Georgia homeowners is the cause of loss. What actually caused your roof to become damaged and in need of replacement?
Most homes in Georgia are covered on an "all peril" basis. This means that the home is covered from all damage that is not specifically excluded. When it comes to roofs, a good rule of thumb is "sudden and accidental". Was the cause by something suddenly and accidentally? If the answer is yes, then your claim will most likely be covered. If the answer is no, then it probably won't be covered.
One of the common issues we see when it comes to getting roof claims covered is the age of the roof. Many times, homeowners in Georgia will have an old roof and expect it to be replaced after a roofer told them it needs to be replaced.
Yes, your roof may very well be in need of a replacement. However, your home insurance will only pay for it if the need for the replacement is caused by something sudden and accidental, like a windstorm, hail storm, or a tree falling on it. If your roof needs to be replaced due to wear and tear or old age, that is a homeowner maintenance issue and would not be covered by your home insurance, most likely.
The Amount Of Damage To Your Roof Matters
Another key factor in whether your home insurance will pay for a new roof is how much damage there is. Is there just a small section that is damaged? Is there just a few shingles missing but everything else is in good shape? Is there massive hail damage covering 70% of your roof?
All of the questions are important and will determine how much your home insurance company will pay for a new roof. If the damage is minimal, it may not warrant an entire new roof, so in the instance the insurance company may cover the loss but only for a partial replacement.
How To Know If You Need To File A Claim For A New Roof In Georgia
As a Georgia homeowner, the main thing you can do to know whether or not you need to file a claim is to get assessments and estimates from multiple roofers or contractors and review your policy with your agent or broker. If you have multiple contractors saying that your roof is damaged from a recent storm and it will cost $10,000 to fix it, there's a good likelihood that what they are saying is true and that your home insurance would cover it. From there, review your coverage with your agent. Make sure to know what your deductible(s) are (including wind/hail deductible) and from there, you will know if you need to file a claim or not.
Here at the Roberts Insurance Group in Canton, GA, we specialize in working with homeowners throughout Georgia. We help clients design a policy and coverage plan that works the way they want and need it to- including full replacement cost for roofs!
Give us a call today at 678-250-8133 or click below to see how we can better-protect your home.
The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business.