If your home’s roof is defective beyond repair, it’s critical that you get it replaced as quickly as possible. Depending on why your roof is so badly damaged, your homeowner’s insurance policy may cover some or all of the cost of doing so.

The Age of the Roof

An asphalt roof is expected to last for about 20 years, while a metal roof can last for 25 years or longer. If your roof is getting closer to the end of its useful life, your insurance company may conclude that replacing it is a matter of routine maintenance.

At best, your insurance company may only offer to pay for a portion of the replacement cost or offer to pay for limited repairs. The folks at Maryland Roofing Company can inspect your roof to determine if age has anything to do with its overall condition.

Insurance Won’t Pay for Homeowner Negligence

If it is determined that shingles, gutters, or other components were damaged because of homeowner negligence, an insurance claim will likely be denied. For instance, if the damage was caused by a pest infestation that you didn’t mitigate, you’ll likely be responsible for replacement costs.

However, if repairs are needed because of hail, heavy rain, or because a neighbor’s tree fell on your home, your insurance company will likely pay your replacement bills. It’s also worth noting that failing to adequately maintain your roof may also negate any warranties that came with it when it was first installed.

If you are in need of a roof replacement, give Maryland Roofing Company a call today. We will take a thorough look at your home and budget to determine what type of roof may be best for your property. The results of a roof inspection may also be necessary to process an insurance claim that will cover replacement costs.

company icon