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Will My Homeowners Insurance Cover My Roof Replacement?

By June 7, 2022 No Comments

Will my homeowners insurance cover my roof replacement? Matlock Roofing is here to help. A roof doesn’t last forever. You need to replace it at some point in time. When things go wrong with your roofing system, it’s important to deal with the issue immediately. However, roofing jobs are often stressful and frustrating. What’s worse is that most homeowners have no idea whether their insurance will cover it, or they have to pay for it out of the pocket. 

And when you combine this with the unpredictability and complexity of such jobs, you’ll know why so many homeowners put off necessary roof repairs or replacements for years. 


At Matlock Roofing and Construction, we fully understand your situation. With over a decade of roofing experience, we have repaired, replaced, and maintained all kinds of roofs in the area. So, our experts have compiled this guide to help you know all the ins and outs of roofing tear-offs and replacement processes. 

What Is a Roof Tear-Off? 

When you’re planning on getting a new roof, you need to perform a roof tear-off to install a new roof from scratch. Firstly, professionals will conduct a thorough inspection of your roof and then remove your old roofing shingles to make it ready for your new roof. 

After conducting a proper roof tear-off, every damaged component will be replaced with high-quality brand-new parts. As a result, you’ll get rid of all the underlying causes of your roofing issues such as rotted decking, mold growth, and damaged flashings, among others. A new roof installed after a tear-off not only last longer than a roof-over but will also boost the overall value of your home beyond your expectations. 

How Much Does a Roof Tear-Off And Roof Replacement Cost?

The actual cost of tear-off can vary depending on several factors like the type of your roof, the size of the roof, and the material used, to name a few. It is also important to consider the slope and complexity of your roofing system. For a steep and complex roof, the cost can increase significantly. 

To help you understand better, here are the tear-off and replacement costs of some of the most popular roofs in the U.S. 

  • 3-tab Shingle roofs between $7,300 and $10,600
  • Architectural Shingle roof $11,200 and $17,100
  • Upgraded Architectural Shingle roof between $13,100 and $19,000
  • Tile Roof between $33,700 and $69,800
  • Metal Roof between $27,500 and $42,300

Will My Homeowners Insurance Cover My Roof Replacement?

Roofing is one of the largest investments most homeowners make during their lifespan. However, with the help of insurance, you can get your dream roof without breaking a bank. The good news is that most insurance companies provide sufficient coverage for roofing damage resulting from extreme weather and fire hazards. After a roof replacement, many companies also discount the policies of many homeowners. So, you stand the chance to save some serious money every year.

What Does Insurance Cover? 

Insurance covers many types of damage resulting from accidents caused by fallen trees as well as storm damage. On the other hand, damages caused by daily wear and tear and lack of maintenance are usually not covered by most insurance policies. As far as acts of God are concerned, their exact coverage will depend on your specific insurance policy. So, get in touch with your insurance company to know more details about your specific policy. 

Any storm roofing damage is usually covered by insurance policies. These include:

  • Hail damage and impact damage
  • Fires due to lightning
  • Roof leaks caused by storms
  • Roofing due to high wind
  • Roof damage caused by falling trees
  • Roofing due to high wind

What Is Not Covered by Insurance? 

The following damages may not be covered by your insurance policy

Age-Related Roofing Damage – If your roof is older than 15-20 years, your roofing company will offer little or no coverage for your roofing damage.

Damage Due to Lack Of Maintenance – It’s highly recommended to conduct roofing inspections at least twice a year and opt for an effective preventive maintenance program. Not only can proper maintenance help prevent costly repairs in the long run, but your insurance company also cannot deny your claim on account of maintenance neglect. Regular maintenance can also help extend the lifespan of your roof. 

Hiring Inexperienced Contractor – Most insurance policies do not cover the damage caused by faulty repairs and improper installation. So, never hire cheap and inexperienced roofing contractors or follow questionable DIY repair guides to fix your roof. In roofing, you get what you pay for. A well-established and experienced contractor may charge a bit more for your roofing repairs or replacement, but you’ll save much more in the long run with an energy-efficient and durable roofing system.

DIY Repairs – it is important to conduct visual inspections of your roof frequently, if you notice any signs of damage, get in touch with professionals right away. Roofing is a complex and highly specialized job and conducting DIY repairs can void your roofing warranties and your insurance policy may not cover any roofing damage caused by DIY methods. 

Matlock Roofing: Hire the Leading Roof Replacement Experts 

For more guidance on roof tear-offs and roof replacements, get in touch with our experts here at Matlock Roofing & Construction – the most trusted and reputable roofing professionals in the region. Contact us at 601-229-4048 to schedule a FREE consultation and get a free estimate today. We service areas in New Albany, Hattiesburg, Sumrall, Petal, and Purvis, MS.

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