What to Know About Making a Roof Insurance Claim in Longmont, CO

by | Dec 28, 2021 | Roofing Contractor

Replacing a roof is an expensive job with the average cost for asphalt roof replacement landing around $24,000, depending on the roof’s size and the job’s complexity. The good news is that sometimes homeowner’s insurance will cover the replacement costs. Homeowners who plan to file a roof insurance claim in Longmont CO, should know the following information.

What Caused the Roof Damage?

Not all roof damage is covered by homeowner’s insurance. In general, insurance policies cover roof repair or replacement caused by accidental or sudden damage. This type of damage often happens after a windstorm, an ice storm, or some other severe weather event.

Partial Damage Insurance Claims

Some damage shortens the roof’s lifespan. For example, during a hail storm, the entire roof might not have been damaged. However, the hail’s strike pattern might have caused significant damage to enough areas that repairs won’t strengthen the roof. In cases like this, one might file a partial damage insurance claim and the insurer will cover complete roof replacement.

Material Issues

Another reason an insurer might replace the entire roof when there’s only partial damage is material matching issues. After so many years, roofing manufacturers stop making certain styles of shingles. An older property might have a roof with minor shingle damage, but there aren’t any matching shingles to make the repair. In this case, the insurance company would approve a complete roof replacement.

Homeowners filing a roof insurance claim in Longmont, CO, should work with roofers who understand the claims process.

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