Navigating Roofing Insurance for Roof Replacement: Essential Guide for Homeowners


Navigating Roofing Insurance When Replacing a Roof: What Homeowners Need to Know

When it comes to home maintenance and renovations, roofing often falls low on the list of priorities for many homeowners. Yet, a well-maintained roof is crucial not only for the safety and comfort of your home but also for its overall value. The Colorado Roofing Association (CRA) understands that navigating roofing insurance can be a daunting task, which is why we're here to shed light on the process and emphasize the importance of professional roofing services.

The Disparity Between Perceptions and Reality

Many homeowners underestimate the cost of high-end renovations like kitchen remodels or major home improvements. When it comes to roofing, the costs can similarly surprise homeowners. A full roof replacement costs about $11,500 for an average-sized home with costs reaching up to $80,000 for copper roofs, according to Forbes Advisor’s analysis of materials and costs. However, unlike a kitchen remodel, roofing is not just about aesthetics—it's about protecting your entire home from the elements. 

Why a DIY Roof Replacement is Not a Good Idea 

Maintaining, repairing, and replacing a roof can be costly – we understand. With the rise of YouTube tutorials and DIY Pinterest boards, the temptation to handle your roof's integrity yourself is stronger than ever. However, unless you are a seasoned, licensed roofing contractor, you may not fully understand what you’re up against.

Trying to save money this way can lead to budgeting for expensive repairs or even a complete roof replacement due to errors you might make while attempting DIY roof work. Moreover, roofing is extremely dangerous. Although construction represents only 5% of the U.S. workforce, it accounts for nearly 20% of annual fatalities, mostly from falls. This is a risk you don’t need to take.

Our goal is not to scare you away from maintaining your home but to encourage you to leave roof repairs and replacements to licensed professionals. They are trained, and experienced, and have your best interests and the well-being of your roof in mind.

Learn more about the advantages of hiring professionals for your roofing needs: 5 Reasons to Avoid DIY Roof Repair

The Value of Professional Licenses and Experience

Hiring a licensed and experienced roofing contractor is essential when dealing with roofing insurance claims. Professional roofers bring a wealth of knowledge, including:

  • Code Knowledge: Professional roofers are well-versed in local building codes and ensure that all work complies with these regulations. This is crucial for insurance claims, as non-compliance can lead to claim denials.

  • Permitting: Navigating the permitting process can be complex. Experienced roofers handle this for you, ensuring all necessary permits are obtained before work begins.

  • Insurance Negotiation: Dealing with insurance companies can be overwhelming. Professional roofers act as advocates, speaking to the insurance company on your behalf to ensure you get the coverage you deserve.

  • Efficient Project Management: From initial inspection to final cleanup, professional roofers manage every aspect of the project, ensuring it is completed on time and within budget.

The Value of a Roof Replacement

Investing in a roof replacement offers significant benefits:

  • Enhanced Home Value: A new roof can significantly increase your home's market value and curb appeal.

  • Improved Energy Efficiency: Modern roofing materials provide better insulation, reducing energy costs.

  • Long-Term Protection: A new roof provides better protection against the elements, reducing the likelihood of costly repairs in the future.

Step-by-Step Guide to Navigating Roofing Insurance

  1. Inspect the damage safely from the ground: Inspect your roof for any visible damage after a storm or other roofing damage-causing event. Note any missing or damaged shingles, dents, or other issues. Do not get on your roof, this should only be done by a professional using the correct safety equipment. 

  2. Document the damage: Take clear photos of the damaged areas from different angles. These photos will serve as evidence when filing your claim. If your roof suffered hail damage, take a picture of the size of a hail stone next to a tape measure.

  3. Contact your insurance company: Reach out to your insurance company to report the damage and initiate the claim process. Make sure to clarify replacement cost value vs. actual cost value in your policy. Check with your agent to see what your deductible amount is and what mortgage company is listed on your account, if applicable.

  4. Schedule an appointment with an insurance adjuster: Arrange for an adjuster to inspect your roof and assess the damage. They will determine the extent of the damage and estimate the repair costs.

  5. Hire a reputable roofing contractor: Select a reliable, licensed, and insured roofing contractor to work on your claim. The contractor will perform a thorough inspection, provide a written estimate, and work with the insurance adjuster to ensure you receive a fair claim settlement.

  6. Review the settlement offer: Compare the adjuster's estimate with your contractor's evaluation. If you disagree with the adjuster's assessment, your contractor can help negotiate a better settlement.

  7. Finalize the claim: Once you and your insurance company agree on the settlement, sign off on the paperwork, and your roof repairs can begin

Common Pitfalls to Avoid

  • Underestimating Costs: Be prepared for potential out-of-pocket expenses.

  • Delaying Claims: File claims promptly to avoid complications.

  • Skipping Inspections: Regular inspections can catch issues early and simplify the claims process.

The Complexity Behind the Scenes

When it comes to roof replacement, a lot of work goes on behind the scenes. Companies that do it right take their time to ensure every detail is addressed:

  1. Insurance Communication: Professional roofers communicate with your insurance company to ensure all necessary repairs are covered. This can involve multiple phone calls, emails, and documentation to get approval for the work.

  2. Detailed Inspections: Before any work begins, a thorough inspection is conducted to assess the extent of the damage and determine the best course of action.

  3. Material Selection: Choosing the right materials for your roof is critical. Professional roofers guide you through the options, considering factors like durability, climate suitability, and aesthetics.

  4. Permitting Process: Obtaining the necessary permits can take time. Roofers handle this process, ensuring all legal requirements are met.

  5. Scheduling and Coordination: Replacing a roof involves coordinating various tasks, from removing the old roof to installing the new one. This requires careful planning and scheduling to minimize disruption to your daily life.

  6. Waiting for Insurance Payouts: Insurance payouts can take weeks to process. Professional roofers manage this wait, ensuring the project proceeds smoothly once funds are available.

  7. Final Inspections and Clean-up: After the roof is installed, final inspections ensure the work meets all standards. A thorough clean-up is conducted to leave your property in pristine condition.

For more information on Roof Replacement, check out our Guide: Roof Maintenance, Repair, and Replacement

Navigating roofing insurance can be complex, but understanding the process and the importance of hiring professional roofers can make it significantly easier. The Colorado Roofing Association is dedicated to providing homeowners with the information they need to make informed decisions. By choosing licensed and experienced roofing contractors, you can ensure that your roof replacement is handled efficiently, complies with all codes and regulations, and maximizes your insurance benefits. Investing in a quality roof today can save you time, money, and stress in the long run, ensuring your home remains a safe and comfortable haven for years to come.

For more information, visit the Colorado Roofing Association website, where you'll find resources, tips, and a directory of trusted roofing professionals.