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 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.
4 Comments
4/10/2023 02:41:34 pm
Thanks so much for talking about how insurance classifies what it will pay for when it comes to roofing. My cousins recently had a storm pass by their house and it damaged the roof so we've been looking into finding some professionals they can hire to help them repair it before the weather gets bad again. We'll have to be sure to see if the repairs will be covered under insurance and what they'll have to pay for. 6/20/2023 10:37:21 pm
It's important for Georgia homeowners to understand that whether their home insurance will cover a new roof depends on the cause of the damage. If the damage is sudden and accidental, such as from a windstorm or a falling tree, then the claim will likely be covered. However, if the damage is due to wear and tear or old age, it is considered a homeowner maintenance issue and typically not covered by insurance. Additionally, the age of the roof can also impact coverage. It's crucial for homeowners to review their policy and consult with their insurance provider to fully understand their coverage. 5/6/2024 02:20:06 am
While researching whether home insurance covers a new roof in Georgia, I stumbled upon your blog, and I have to say, it has been incredibly helpful! Your explanations are easy to understand, especially for someone like me who is unfamiliar with insurance. Thanks for breaking down the determinants of coverage, such as the cause of damage and the age of the roof. Do a great job educating Georgia homeowners! 8/14/2024 11:47:59 am
If you believe your roof damage is covered, file a claim with your insurance provider. Document the damage with photos and gather any necessary information to support your claim. Leave a Reply. |
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