Will my homeowner’s insurance cover the cost of a new roof?
Will My Homeowner’s Insurance Cover the Cost of a New Roof?
If your roof has been damaged, one of the first questions you may have is: “Will my insurance company cover a new roof?” The answer depends on the cause of the damage and your specific policy.
At L&L Roofing & Construction, we’ve guided countless Gainesville homeowners through the insurance process with honesty and clarity. Here’s what you need to know.
When Insurance Usually Covers Roof Replacement
Storm Damage: Hail, high winds, and fallen trees are common reasons claims get approved.
Sudden, Accidental Events: For example, a large limb puncturing your roof during a storm.
Fire or Other Covered Perils: Most policies include these scenarios.
When Insurance Does Not Cover It
Normal Wear and Tear: Roofs that fail because they’re simply old or poorly maintained aren’t covered.
Improper Installation: If another contractor cut corners, insurance won’t pay to fix it.
Excluded Perils: Some policies exclude specific causes like flooding or earthquakes.
How the Process Works
Get a professional inspection and documentation.
File a claim with your insurance provider.
An adjuster inspects the damage.
If approved, insurance pays for all or part of the replacement (minus your deductible).
FAQ: Will My Homeowner’s Insurance Cover a New Roof?
Q: What’s the first step if I think I have storm damage?
A: Call a trusted roofing contractor for a thorough inspection before contacting your insurance company.
Q: Do I have to use the contractor my insurance suggests?
A: No. You have the right to choose your own roofing contractor.
Q: Will insurance cover the full cost of a new roof?
A: Often yes, but you’ll still be responsible for your deductible. The payout depends on your policy and the type of coverage (replacement cost vs. actual cash value).
Q: Can L&L Roofing help with my insurance claim?
A: Absolutely. We provide documentation, meet with adjusters, and walk you through the process with integrity—so you’re never left in the dark.
At L&L Roofing & Construction, we know dealing with roof damage can be stressful. That’s why we put honesty and service first. If you think your roof may qualify for insurance coverage, give us a call at (770) 874-0372. We’ll inspect it, guide you through next steps, and make sure your home is protected.
