• Home Improvement
    • DIY
    • Remodeling
    • Woodworking
    • Accessories
    • Home Design
      • Furniture
      • Organize
      • Tips
      • Decor
        • Interior
        • Exterior
    • Design Ideas
      • Bathroom
      • Bedroom
      • Dining Room
      • Living Room
      • Kitchen
  • Gardening
    • Backyard
    • Front Yard
    • Landscaping
  • Building Staircase
  • Categories
    • Home Improvement
    • Decor
    • Gardening
    • Woodworking
    • Lifestyle
    • Green Living
    • Real Estate
Dream Lands Design
  • Home Improvement
    • DIY
    • Remodeling
    • Woodworking
    • Accessories
    • Home Design
      • Furniture
      • Organize
      • Tips
      • Decor
        • Interior
        • Exterior
    • Design Ideas
      • Bathroom
      • Bedroom
      • Dining Room
      • Living Room
      • Kitchen
  • Gardening
    • Backyard
    • Front Yard
    • Landscaping
  • Building Staircase
  • Categories
    • Home Improvement
    • Decor
    • Gardening
    • Woodworking
    • Lifestyle
    • Green Living
    • Real Estate
featured image - Does Insurance Cover a New Roof?
You're here: Home Home Improvement Does Insurance Cover a New Roof?

Does Insurance Cover a New Roof?

  • Perla Irish
  • November 29, 2021
Total
2
Shares
0
0
2
0
0

All that paperwork for roof insurance can cause some headaches, but before deciding, you need to know what insurance covers, what it doesn’t, and how it works.

Not all roof damage will be covered by insurance. A lot of policies will pay only if a natural event or unusual and unpredictable accident causes the damage.

For example, if a hurricane or a tree damages your roof, your claim for repair or replacement could be accepted. On the other hand, if the claim is for damage due to wear and tear or neglect, the claim will most likely be rejected.

image - Does Insurance Cover a New Roof?
Does Insurance Cover a New Roof?

The average price for a roof replacement in South Florida ranges between $5,100 and $10,000. A new roof can also be as low as $1,200 or as high as $30,000, depending on the materials used, the roofing contractors, and the roof size. As a median, many roofing companies charge between $3.50 and $5.00 per square foot.

In 2005, there were some changes in Florida homeowners insurance laws that allow homeowners to have a Replacement Cost Policy that should cover the bill for a new roof, but it is always best to contact your insurance agent for more information. Florida passed the legislation, which states that Ordinances or Law coverage should be at least 25%.

What You Need to Know About Roof Insurance

Most insurance agencies offer two types of roofing insurance. These policies allow the homeowner to decide whether to replace the whole roof or fix what is broken.

The first one is repair coverage which gives back the homeowner only a percentage of the repair cost. This is the insurance that allows the homeowner to perform repairs without replacing the whole roof.

The second insurance is the one for replacement, which covers the entire roof replacement. The replacement policy is more complex than the repair one because of different costs.


Read Also:

  • 10 Tips for Choosing the Best Roof Material for Your New Roof
  • Understanding New Roof Costs and When It’s Time to Get an Estimate
  • How Much Does It Cost to Get a New Roof?

Roof Damage and Insurance

If you want your insurance company to pay for a new roof, you have to submit a claim. After the claim is requested, the company will send an adjuster to inspect the roof.

Before an adjuster is sent, you must have the documents needed, which include one copy of the homeowner’s insurance policy. Another important step is taking pictures of the damage and recording when you took them.

After the claim is submitted, you must find a roofing company to take a look at the damage and then send the information back to the insurance company.

Roofing Contractors in Florida

If the roofing claim was accepted by the insurance company, contact South Florida roofing contractors. They offer services for both roof replacement and roof installation in Miami.

Working with professionals will ensure that you select the right type of roofing for your home, and they will be working with the insurance company to make the process as easy as possible.

It is highly recommended you work with professional roofing contractors to ensure the best outcome for your home. Roofing contractors will tell you exactly what you need to know about your roof’s condition and what needs to be done.

Total
2
Shares
Share 0
Tweet 0
Pin it 2
Share 0
Share 0
Perla Irish

Perla Irish, who is more familiarly known as Irish, is the Content Manager at Dreamlandsdesign.com. She loves following trends around home and garden, interior design, and digital marketing. Through this blog, Irish wants to share information and help readers solve the problems they are experiencing.

Related Topics
  • claim
  • cover
  • insurance
  • roof
  • roofing
Previous Article
featured image - What to Look for When Buying a Home Theatre System

What to Look for When Buying a Home Theatre System

  • Perla Irish
  • November 29, 2021
View Post
Next Article
featured image - How to Get AC Repair and Maintenance Services in Dacula GA

How to Get AC Repair and Maintenance Services in Dacula GA

  • Perla Irish
  • November 30, 2021
View Post

Subscribe

Subscribe now to our newsletter

You May Also Like
Bright home interior with shiny hardwood floors, furniture sliders under heavy furniture legs, and protective moving tools nearby.
View Post

How to Move Furniture to a New Home Without Damaging the Floor

  • July 16, 2025
A compact, organized home workshop at night, with essential DIY tools and safety gear neatly arranged on a wooden workbench.
View Post

Troubleshooting Common DIY Home Repair Problems

  • July 15, 2025
A man disassembling a P-trap under a sink to remove hair and debris in a modern, minimalist kitchen.
View Post

Plumbing Maintainance: How to Properly Clean Plumbing Pipes

  • July 14, 2025
Switching to LED bulbs can boost home efficiency easily.
View Post

Energy Heroes – 6 Genius Hacks to Make Your Home More Energy Efficient

  • July 9, 2025
Anti-fatigue mats cushion feet and support balance, helping seniors stay active and independent.
View Post

Why Seniors Should Consider Anti-Fatigue Mats at Home

  • July 7, 2025
Outdoor patio with natural flagstone pavers, surrounded by lush greenery and bathed in soft sunlight, highlighting a rustic garden setting.
View Post

Flagstone Pavers – A Natural Choice for Timeless Outdoor Beauty

  • June 30, 2025
Professional commercial movers save time, money, and reduce risks better than DIY options.
View Post

Commercial Moving Services vs. DIY: What’s Better for Your Business?

  • June 27, 2025
Digital dashboard showing HOA management tools with calendars, documents, chats, and board members collaborating around a table in a suburban neighborhood.
View Post

How Anyhoa is Simplifying HOA Board Management for Communities

  • June 26, 2025
  • About Us
  • Privacy Policy
  • Terms of Use
  • Disclosure
  • Sitemap
  • Contact Us

Input your search keywords and press Enter.