Is Roof Replacement Covered by Homeowners Insurance


Your Ultimate Guide to Roof Replacement Covered by Homeowner’s Insurance

Expert advice on navigating the process of roof replacement covered by homeowner’s insurance. Contact us today for a consultation!

Are you facing the daunting task of replacing your roof? Don’t fret! As a seasoned roofing contractor with decades of experience, I’m here to guide you through the process, especially when it comes to navigating insurance claims for storm damage. Let’s dive into the details and make this journey as smooth as possible.


Understanding Storm Damage

Storms can wreak havoc on your roof, leaving behind a trail of destruction. From high winds to hail, Mother Nature can be unforgiving. But how do you know if your roof has sustained storm damage? Here are some telltale signs to look out for:

  • Missing Shingles: High winds can rip shingles off your roof, exposing it to further damage.
  • Gutter Issues: Damaged gutters or downspouts may indicate that your roof has been compromised.
  • Hail Streaks: Hail can leave behind streaks on your roof, signaling potential damage to the shingles.
  • Sagging Gutters: If your gutters are sagging or not draining properly, it could be a sign of asphalt collecting and damaging your shingles.

Determining the Need for Roof ReplacementRoof Replacement Process

While regular maintenance can prolong the life of your roof, there comes a time when replacement is inevitable. Here’s how to know when it’s time to bid farewell to your old roof:

  • Age: Asphalt shingle roofs typically last between 10 to 15 years. If your roof is nearing this age range, it’s time to start considering a replacement.
  • Damage: If your roof has sustained significant storm damage or other issues, it may be more cost-effective to replace it rather than repair it.
  • Leaks: Persistent leaks or water damage inside your home are clear signs that your roof is failing and needs to be replaced.

Navigating the Insurance Claim Process

Filing an insurance claim for roof replacement can be overwhelming, but fear not! Here’s a step-by-step guide to help you navigate the process:

  1. Inspection: A licensed roofer will inspect your roof for damage and help you determine if filing a claim is necessary.
  2. Documentation: Your contractor will document the damage and assist you in filing the claim with your insurance company.
  3. Adjustment: An insurance adjuster will assess the damage and provide an estimate for repairs or replacement.
  4. Approval: Once your claim is approved, your contractor will work with the insurance company to ensure you receive fair compensation for the work.

Finding the Right Contractor

Choosing the right contractor is crucial to ensuring a successful roof replacement. Here are some tips for finding a reputable contractor:

  • Word of Mouth: Ask friends, family, and neighbors for recommendations.
  • Certifications: Look for contractors who are certified by reputable manufacturers, such as CertainTeed.
  • Online Reviews: Check online reviews and testimonials to gauge the quality of a contractor’s work.
  • Insurance Experience: Choose a contractor who has experience working with insurance companies and navigating the claims process.


1. How often should I have my roof inspected?

It’s recommended to have your roof inspected at least once a year, especially after severe weather events.

2. Will filing an insurance claim increase my premiums?

Filing a claim for storm damage typically won’t increase your premiums, as it’s considered a catastrophic claim.

3. How long do I have to file an insurance claim for storm damage?

In North Carolina, there’s typically a three-year statute of limitation for filing a claim, but it’s best to do so as soon as possible after the damage occurs.

4. What if my insurance claim is denied?

A reputable contractor will work with you to appeal the denial and ensure you receive fair compensation for the damage.

5. Should I be home during the roof replacement process?

While it’s not necessary to be home during the entire process, it’s a good idea to be available to answer any questions and ensure the work is being done to your satisfaction.

6. Will my landscaping be protected during the roof replacement?

A professional contractor will take steps to protect your landscaping, including moving lawn furniture and covering shrubs and trees to prevent damage.

7. How long does a roof replacement typically take?

The duration of a roof replacement depends on various factors, including the size of your roof and the extent of the damage. On average, it can take anywhere from a few days to a week to complete.

8. Do I need to remove old shingles before installing a new roof?

In most cases, yes. Removing old shingles allows for a thorough inspection of the underlying structure and ensures proper installation of the new roof.

9. What type of warranty should I look for on my new roof?

Look for a contractor who offers a warranty on both materials and labor, typically ranging from 10 to 25 years.

10. How can I tell if my roof has sustained storm damage?

Signs of storm damage include missing shingles, dented gutters, and leaks inside your home. If you suspect your roof has been damaged, it’s best to have it inspected by a professional.

In conclusion, replacing your roof covered by homeowner’s insurance doesn’t have to be a daunting task. By following the tips and advice outlined in this guide, you can navigate the process with confidence and ensure your home is protected for years to come.

For more information or to schedule a roof inspection, contact Ernie’s Roofing today!

Ernie’s Roofing, a trusted roofing contractor since 1978 in Denver, offers expert advice on navigating the process of roof replacement covered by homeowner’s insurance. Contact us today for a consultation!

Keywords: Storm Damage, Roof Replacement, Licensed Roofer, Insurance Claim, Seamless Gutters, Siding, Lawn Furniture, Trees and Shrubs.

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Contact Ernie's Roofing Now!

Upgrade your roof with Ernie’s Roofing and give it the care it deserves! Our team of experts is ready to revamp your roofing, ensuring that every shingle and tile is placed properly to enhance its impact and durability. Contact us today at (720) 346-7773 or visit our website at for more information about our service!

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