Frequently Asked Question: “What is Covered Under My Roofing Insurance Coverage?”
As a homeowner, you might be asking “What is covered under my roofing insurance” when it comes to roofing damage? In this article, we’ll explore the details of roofing insurance coverage and answer the most frequently asked questions.
Expert Insights from Our Owner, Anna Olivier, on Roofing Insurance Coverage
Anna Olivier, our knowledgeable owner, shares her insights on what insurance companies are obligated to pay for in the event of roofing damage. Watch the video below to hear directly from Anna, or read on for a summary of her key points.
Roofing Insurance Coverage: What Are Insurance Companies Required to Pay For?
The short answer:
Your insurance company must replace your roof system with products that are of like kind and quality.
Now, that’s very important because not all shingles are created equal.
What does that mean?
Though most shingles may look alike, they don’t all have the same warranty. They don’t all perform the same way. And, of course, they don’t all cost the same. Your insurance company is responsible to provide for, or pay for, products that are of like kind and quality to your current roof. Not an inferior product. On the other hand, they are not required to do upgrades. They will not put up shingles of a better quality.
For example, if you have a three-tab roof, your insurance company will not upgrade you to an architectural shingle. If you want to upgrade your roof’s performance, you would need to pay for that additional cost.
What else do they pay for?
Your insurance company is also responsible to pay for proper installation procedures and techniques according to local building codes, as well as manufacturer requirements. As an Owns Corning Platinum Preferred Contractor, Roofing Louisiana exceeds those requirements, providing additional peace of mind.
Something to consider:
Be aware that some companies enter into a Material Management Agreement. It’s really important that you are aware if you, through your insurance company, have entered into this type of agreement. This means that your insurance company has negotiated with a particular shingle manufacturer, usually for a discounted rate, and these are the only shingles that will be installed on your roof. These companies schedule a material drop, which means the shingles will be delivered to your home, and then pay for the installation of the shingles, etc.
This is important to be aware of when choosing insurance companies. Material Management Agreements may prevent you from receiving “like kind and quality.” If you already have an insurance company, it’s a good idea to find out if you are in this type of agreement. If so, find out if the brand of shingles provided are of “like kind and quality” to those that are currently on your roof. Don’t wait and add to the stress of a home disaster.
We hope these tips help you negotiate your claim or any claims you may have in the future.
