Main Office in Cedar City and
Serving ALL of Utah
QUALITY ROOFING IN
ALL OF UTAH
Most wind and hail damage to a roof can be covered
under your home or business insurance. Insurance
companies are not in the business of finding damage.
They only will pay for damaged that are legitimate
wind and hail damage. That is why we will do a pre-
claim inspection to determine if there is actual storm
related damages. We will meet with you adjuster to
ensure that all at damages are accounted for. We have
good and reputable relationships with the insurance
carriers, and there is no one better at documenting
storm related damages in Southern Utah.
Replacing a roof can be a costly and exasperating
process, but if a roof is storm damaged by hail, high
winds or water and has failed to stand the test of time,
there is usually no option other than repair and
replacement, which often means deciphering exactly
what is covered under a homeowners insurance policy
and how the claim process works.
Insurance payments for roof replacement usually depend
on the type of roof covering that has been used, such as
materials, along with the type of damage done.
No matter the type of roof covering materials or parts
of a roof that have been damaged, an insurance
company will scrutinize a claim for roof replacement and
expect the policy holder to provide extensive
documentation, before and after photographs, and other
information to justify a claim for processing.
So, if you want to know the particulars of whether your
insurance will pay for your roof replacement, you’ll need
to thoroughly review your policy as to what you need to
do ahead of time to make a legitimate claim.
Review Your Policy Coverage
Reviewing your policy coverage will allow you to
determine what coverage entails for roof replacement.
Usually a roof that is newer (10 years or less) is fully
covered for repair or replacement on sections of the roof
that have been damaged.
Beyond the 10 Year Mark
When a roof is beyond the 10 year mark, a homeowner
will usually receive reimbursement on the diminishing or
depreciated value of the roof. Depreciated value simply
means that the insurance company evaluates a roof by
its age and the wear and tear it has experienced. The
insurance carrier then places a decreased value on a roof
before damage has taken place.
Other insurance policies only offer coverage on the
depreciated value of the roof, whether it is newer or
older, while some policies offer full repair or replacement
costs for the damaged areas in spite of its age.
Inspection and Prompt Reporting
Regardless of the situation with a damaged roof and the
circumstances surrounding it, most insurance companies
dispatch an inspector to examine and confirm a claim. If
the inspector determines that the damage has occurred
because of normal aging, deteriorating conditions or
everyday wear and tear, such findings are usually
interpreted as normal maintenance and are not covered
under a home policy.
If a roofing claim is determined to be legitimate and an
inspection evaluation will likely prove it so, it is
imperative to arrange an inspection as soon as the
damage has been documented. Payment can be
accelerated and payment issued when a claim is
An insurance company may also require estimates from
licensed roofing contractors for legitimate repair and
replacement work, or they may have their own
estimators to determine costs. It is imperative to obtain
specific and detailed written estimates as well as proof
that a roofer is licensed and insured as we are!
Another plus in the estimate and claim process is finding
a contractor that is specifically experienced in giving
estimates for insurance claims and is familiar with
helping a homeowner through the maze of red-tape to
get a replacement claim approved. All of this
information is imperative in accelerating the claim
An insurance company might also require that certain
roofing materials meet state code specification for
repair and replacement of a roof. Shingles, nails, tiles
and other materials must be made to tolerate wind, hail
and natural disaster situations. Homeowners seeking
repair must follow these material specifications through
acquiring proof of a state compliance certificate that
indicates that proper repair has been made. Once that
aspect as been verified, an insurance payment can be
Know the Specifics
Knowing the specifics of a homeowner policy in
relationship to roof replacement is the most important
aspect in determining how to go about filing a claim.
Documentation of actual damage is another aspect that
will help to speed up processing of a claim as is
employing a licensed roofing contractor that is
knowledgeable in insurance claims.
If your roof has been damaged and is protected by a
homeowners policy and you are still unsure of the claim
process, complete the online contact form and an expert
in roof repair and replacement will get back to you with
the information you need to make a legitimate and