How Your Roof’s Age Impacts Insurance Claims in Utah

Filing Roof Insurance Claims in Ogden & Brigham City, UT

The age of your roof not only affects your homeowner’s insurance rates; it also impacts your roof insurance claims. When you file a roofing insurance claim for storm damage, your insurer might pay out less if your roof is over 10 years old. The insurance company considers your roof’s age as a determiner of its value, and might not cover roof damage repairs if your roof is over a certain age. At SRD Roofing, we can do a full roofing inspection and assessment that will support your storm damage claims insurance. If the age of your roof or extent of roof damage warrants a roof replacement insurance claim, we can assist you with that as well. Call us today or contact us online to schedule a free estimate for roof repairs or roof replacement to support your roof insurance claim in Ogden or Brigham City, UT.

What Affects Your Roof Insurance Claims

A roofing insurance claim for storm damage can be rejected or reduced based on different factors of your home’s roofing system: its age, overall condition, type, shape, and location. Because older roofs are more expensive to replace, they are also more expensive to insure. Your homeowners insurance premium might increase every year due to your roof aging. If you have a very old roof, your insurance company is more likely to deny your roof insurance claim, and certain companies might even raise your rates or cancel your policy once your roof reaches a certain age.

In some cases, your insurance company will support a roof replacement insurance claim rather than paying for roofing repairs. Your homeowners insurance policy will either outline an actual cash value policy, or a replacement cost value policy. A replacement cost policy means that your insurer will cover the cost of a roof replacement if the cause of roof damage is covered by your policy. An actual cash value policy means that your insurer will deduct money from your policy payout based on the age and condition of your roof.

Claiming a Roof on Homeowners Insurance

If you plan on claiming a roof on homeowners insurance, you will need to provide information about the age and condition of your roof. Your insurer will use that information to determine your policy rates and coverage. A roofing company can provide an assessment of your roof that will act as official documentation for your policy. If you ever need to file a roofing insurance claim for storm damage, your insurer will compare the initial condition of your roof with its current post-storm condition to determine your payout amount or what they will cover. Storm damage claims insurance policies cover sudden, accidental damage from wind, hail, the weight of snow, and damage caused by outside forces like a tree falling on your roof or an electrical line causing fire damage to your roof.

How to Get Homeowners Insurance With a Bad Roof

A high-risk homeowners insurance policy will provide coverage for a roof that is old or in bad condition. It will cost more, and provide less protection if you need to file a roof replacement insurance claim. Investing in a roof replacement is often a better choice. Your insurance company will consider your roof’s age, condition, type, shape, and the location of your home when you’re claiming a roof on homeowners insurance. Your insurer can also cancel your policy if your roof reaches a certain age. At that point, you’ll typically only have 60 days to either pay for roof replacement or find a new insurance policy.

How Long Do You Have to File an Insurance Claim After a Storm?

When you file a roofing insurance claim for storm damage, your claim can be denied if your roof is too old, if the damage isn’t covered by your policy, or if you wait too long to file. The sooner you file a roof insurance claim, the more likely it is that you will get a payout or that your insurer will cover the cost of roof repairs. Review your policy to see what your deadline is for storm damage claims insurance. Most insurers allow up to two years, but some give you a deadline of 30-180 days. Waiting too long to file a roof repair or roof replacement insurance claim will allow the damage to get worse, and will increase the risk of your insurance company denying your claim.

Call Us if You’re Filing a Roof Replacement Insurance Claim

If you need to file a roof replacement insurance claim in Ogden or Brigham City, UT call us today at SRD Roofing. We can do a complete inspection of your roof and assess its condition. We also offer free estimates for roof repairs and roof replacements. We have extensive experience helping homeowners who are claiming a roof on homeowners insurance or filing roof insurance claims for storm damage. We’ll make the process much easier and faster for you. Call us today or contact us online to schedule a consultation and begin the storm damage claims insurance process.