When your roof is damaged by a natural disaster, such as a thunderstorm or vandalize, your first thought is to contact your insurance company to start a claim and see if they will cover the costs of replacing it. You may think this is the perfect time to upgrade your roof and reap all the benefits of metal roofing without spending a fortune. Still, several factors play a part in you getting a new metal roof with your insurance coverage.
Hence, sometimes, you can use the insurance funds to replace your old roof with durable and stylish metal roofing options. In most cases, you’re only responsible for the deductible amount on your policy. Thus, your total out-of-pocket expenses would be the deductible plus the cost difference between your existing roof material and the metal one. However, before planning a roof upgrade with your insurance company, you should fully understand your coverage policy.
Suppose you’re considering using your insurance claim to replace your roof with a new metal one and get the energy-saving benefits of metal roofs. In that case, the first two things you should do is to contact your insurance company to discuss their options and an experienced roofing contractor to help you understand your coverage policy and get estimates to compare the costs of metal versus your existing roof material.
Metal is one of the most durable materials. It can provide 2 or 3 times the lifespan of standard shingle roof replacement, increasing the long-term value of your investment and reducing the chances of new claims for roofing replacements and repairs. However, some companies may exclude or limit their coverage for specific roofing materials, including metal roofing solutions for long-lasting protection.
Getting a new metal roof can impact your insurance rate positively and negatively. Since metal roofs are so long-lived and resistant to weather hardships, some insurance companies may offer you discounts or lower rates for your premiums, adding more savings to the benefits of metal roofing. However, in other cases, insurance may see your new metal roof as a greater risk since they’re generally costlier to replace and repair and may charge higher premiums.
For these reasons, it’s always recommended that you contact your company and ensure you understand your policy’s new and existing conditions before installing a new metal roof.
You can do several things if your roof damage claim gets denied. First, you should understand the reason for the denial. If there’s a reason legitimate by your insurance policy, and it’s explicitly stated that the policy doesn’t cover your situation, sadly, you can do little. In this situation, you can look for experienced roofing contractors with metal roofing solutions for long-lasting protection and financing options to afford your new roof.
If you notice that coverage was promised on your policy, you can file an appeal with your insurance company, including as much evidence as you can gather to trigger a review of your claim. You can also hire a public adjuster to help with your process. They will review your case, documentation, and coverage and help you negotiate the maximum amount allowed under your policy to help you get the benefits of metal roofing without drawing from your pocket.
If nothing of these works, your last resources would be seeking an insurance attorney to sue your company or filing a formal complaint at your state’s insurance commissioner if you’ve determined your claim process didn’t meet the minimum requirements for a fair process based on its own merit.
These ways, you may get durable and stylish metal roofing options using your insurance coverage.
We’re certified insurance specialists, and we’ll go above and beyond to make your roofing project as seamless and stress-free as possible so you can enjoy all the benefits of metal roofing without losing your mind. Our expert team will support you through the claims process and work with your insurance carrier to ensure you get the coverage you deserve.
Don’t wait until your claim deadline passes; call us today and let us help you with your insurance and new metal roofing.
