That depends on several variables. If you have a roof leak because of an aging roof, it’s unlikely that your insurance covers the repair work to your roof or any interior damage as a result of the roof leak. On the other hand, if you have a roof leak due to storm damage, a pest infestation, or vandalism, then it’s likely that your roof leak repair would be covered.
Insurance Policies Vary
There are countless variables in insurance policies. Even though you and your neighbor both have the same insurance company, that doesn’t mean your policies have the same terms. Some insurance policies are replacement costs, others are actual costs. Deductibles vary too. If your roofing company tells you that the cost of the repair is less than your deductible, you may not even want to report the claim, even if it is storm damage. Check your declaration page for the deductible for your specific claim type.
Can I Choose a Roof Replacement Instead of a Roof Repair?
When you’re paying out of pocket, this is, of course, your choice. However, if your insurance company is paying on a claim, you may need to speak with them and find out if they are willing to pay the estimate of the repair while you pay the balance of the roof replacement. Because few adjustors are ever asked this and they may not know the specifics of your policy, be sure to verify their answer with your agent and get the answer in writing prior to proceeding with a contract for a new roof.
What About My Interior Damage
Anytime your insurance company finds that your roof leak and associated damage was the result of a storm, they will also cover the cost of repairs to the interior of your home. It’s unlikely that you’ll find one company who handles a roof leak repair and interior drywall, painting and insulation replacement, so you may need to work with several companies. Our best advise is to talk to your roofing company and find out if they have any recommendations for businesses they know or have worked with. This may help shorten the timeline for restoration.
Need Roof Leak Repair? Call Cooley Roofing
Cooley Roofing accepts all insurance claims. Our teams will provide you with a detailed estimate of your roof leak and let you know if we believe that it is the result of storm damage. Whether you have storm damage or not, we will repair the leak and stand behind our work. Call us today at (336) 766-6488 or fill out our contact form.