How to get homeowners insurance to pay for a new roof?

How to get homeowners insurance to pay for a new roof?


When it comes to replacing a roof, homeowners insurance can provide financial assistance, but it’s important to understand how to navigate the process. This article will delve into the steps you can take to get your homeowners insurance to pay for a new roof.

Review Your Policy

Understanding your coverage: The first step is to review your homeowners insurance policy to determine if it covers roof replacement. Look for specific language regarding roof damage and replacement in your policy documents. This will give you an idea of what to expect and what requirements you need to meet.

Age of the roof: Insurance companies often consider the age of the roof when determining coverage. If your roof is nearing the end of its expected lifespan, it may be more challenging to get your insurance to pay for a new roof. However, if your roof has been damaged due to a covered peril, such as a storm or fire, the age may be less of a factor.

Document the Damage

Evidence of damage: To support your claim, it’s crucial to document the damage to your roof thoroughly. Take detailed photos or videos of the affected areas, highlighting any visible signs of damage. This evidence will strengthen your case when filing a claim with your insurance company.

Get a professional inspection: It’s advisable to hire a professional roofing contractor to assess the damage and provide a detailed report. Their expertise and documentation will carry more weight with your insurance company. Make sure to keep a copy of the inspection report for your records.

File a Claim

Notify your insurance company: Once you have gathered all the necessary documentation, contact your insurance company to file a claim. Provide them with a detailed description of the damage, including the date it occurred and any relevant supporting evidence.

Claim adjuster inspection: Your insurance company will likely send a claim adjuster to assess the damage. Be present during the inspection to ensure all areas of concern are thoroughly evaluated. Provide the adjuster with the documentation you have collected, including the professional inspection report.

Cooperate with the Claims Process

Follow up promptly: Stay in touch with your insurance company throughout the claims process. Respond promptly to any requests for additional information or documentation. Keeping open lines of communication will help expedite your claim.

Cooperate with investigations: In some cases, insurance companies may conduct investigations to verify the validity of the claim. Cooperate fully with any investigations and provide any requested information or access to your property.


Getting homeowners insurance to pay for a new roof requires careful documentation, proper filing of the claim, and cooperation with the claims process. Review your policy, document the damage, file a claim, and cooperate with your insurance company to increase your chances of a successful outcome.