When it comes to a roofing repair or a completely new roof, it depends on the percentage of the roof that is damaged. The rule of thumb in roofing is if the damage exceeds 25% of the roof’s surface area and the roofing work was permitted at the time of installation, the insurance company may cover the cost of replacing the entire roof.
If the damage is less than 25% or the roofing work was not permitted, the insurance company may only cover the cost of repairing the damaged areas. Any additional costs outside of permitted area will be on the homeowner and not the insurance company.
This rule makes it very important for a roofing contractor to access the roof damage carefully to determine whether the current roofing covering was properly permitted. Once it’s been determined, have your roofing contractor create a detailed estimate for the insurance adjuster to ensure the proper repairs or replacements are done and covered under the insurance claim.
Knowing and understanding this roofing rule is vital to determine whether you’ll be paying out of pocket or the insurance company will. It’s also ok to ask your roofing contractors if they are familiar with this rule of thumb. Especially if you plan on getting estimates from several roofing contractors.
Understanding this rule is important when you are navigating a roofing repair or a complete roofing replacement. It will also save you money down the road.
If you have questions or concerns about the difference between a roofing repair and replacing your entire roof, call DownUnder Roofing today. We are local to Kansas City, and have experience working with insurance companies. Down Under Roofing has a proven track record and is licensed and insured. Contact the team today to see how we can help you with your gutter and roofing needs.
Posted in New Roof Contractor, Roof Replacement, Roofing Estimate
