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Apr 9, 2025|Roof Replacement

Will Your Home Insurance Cover a Roof Replacement?

A roof repair worker fixing the roof of a house in St. Augustine, FL

Your roof is one of the most important elements of your home. It protects your family and belongings from the elements. So, if it gets damaged, you need an exceptional roof repair company like Hester’s Roofing & Coating in St. Augustine, FL. When disaster strikes, many homeowners immediately wonder whether their home insurance will cover a roof replacement. We have extensive experience providing roof repair services and working with insurance companies in Florida. So, our team has compiled this guide to understanding your roof’s coverage, why an insurance claim could be denied, and how to secure approval for a new roof.

Understanding Your Roof’s Coverage

Your home insurance policy protects against unexpected damage. For roofs, this often includes severe weather events like hurricanes, hailstorms, and falling debris. The age and condition of your roof at the time of damage also play big roles in whether an insurance provider will approve your claim. Here are a few rules of thumb regarding damage coverage:

  • Covered Causes
    • Storm damage from hail, wind, and lightning
    • Fire
    • Falling trees or debris
  • Non-Covered Causes
    • Old age or normal aging of roofing materials
    • Gradual leaks or deterioration from regular wear and tear
    • Poor maintenance or neglect

Why Insurance Providers May Deny Coverage

Insurance companies may deny claims for roof replacements for several reasons. Knowing what causes new roof coverage denials can save you from frustration. Reasons include:

  • Roof Age – If your roof is more than 20 years old, insurers may refuse coverage unless it has been recently inspected. Older roofs often fall outside of “insurable” conditions due to their increased potential for failure.
  • Poor Maintenance – Failure to perform routine maintenance – such as fixing leaks or cleaning out gutters – might result in denied claims. Remember that regular roof inspections and maintenance will protect your home and keep insurance coverage intact.
  • Excluded Causes – Standard insurance policies don’t cover damage caused by wear and tear or manufacturer defects.

Will Home Insurance Cover a New Roof?

The answer depends on what caused the damage. If a hurricane or hailstorm damages your roof in St. Augustine, FL, your insurance will likely approve the replacement – assuming your policy is current and the damage qualifies as an insurable event. However, you should always review your policy ahead of time to avoid surprises when filing a claim. Some policies will pay for full roof replacements, while others may only offer cash value for your current roof. If you have replacement cost coverage, you’ll be able to pay for a new roof similar to the one you had. An actual cash value policy only reimburses the depreciated value of your old roof.

Securing Approval for Roof Replacement

Securing approval for a roof replacement involves a few critical steps. Follow these tips to ensure your provider processes the claim smoothly:

  • Document the Damage – After a storm or impact event, document the roof damage with photos and videos. Clear evidence will support your claim.
  • Contact a Professional Roofing Company – Hire a licensed roof repair company like Hester’s Roofing & Coating to assess the damage and provide an inspection report.
  • File the Claim Immediately – Many policies have deadlines for filing claims, so act fast.
  • Work With Your Insurance Adjuster – When your provider sends an adjuster to assess the roof, review their findings to ensure they didn’t miss anything.

How to Maximize Your Roof’s Insurance Coverage

Homeowners and property owners in St. Augustine and beyond can ensure they’re protected by following these key steps. To keep repair costs manageable and boost your chances of a successful claim, we suggest you:

  • Get Regular Inspections – Schedule annual inspections with our professionals to keep your roof in the best condition possible.
  • Understand Your Policy – Learn what’s specifically covered and update your policy if needed.
  • Invest in Resilient Materials – Choose impact-resistant shingles or metal roofing that can better withstand storms. This action could help lower future premiums.

Hester’s Roofing & Coating Specializes in Roof Repairs and Replacement

After a violent storm, you need a roof repair company you can trust. Hester’s Roofing & Coating specializes in protecting St. Augustine homes from Florida’s unpredictable weather. From emergency repairs to full roof replacements, our team will work with you – and your insurance provider – to restore your roof quickly and efficiently. Local property owners choose our veteran-owned organization for reasons including:

  • Extensive experience in the St. Augustine area
  • Hassle-free insurance claims assistance
  • High-quality, durable materials that ensure long-lasting roofs

Contact Our Experts in St. Augustine, FL, Today

Don’t wait until roof damage becomes a bigger headache. Let Hester’s Roofing & Coating secure your home before the next storm. We’ll even work with your insurance provider to maximize your policy’s coverage. With our expertise and customer-first approach, getting a new roof has never been easier. Contact us today to get started.

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