Will Insurance Cover the Cost of My New Roof?
If your roof was damaged in a storm or you’re dealing with unexpected leaks, one of the first questions you're probably asking is: “Will my insurance cover this?” The short answer? It depends. But at Ray White Roofing, we’ve helped hundreds of homeowners navigate roof insurance claims — and we’re here to walk you through the basics.
1. What Kinds of Roof Damage Does Insurance Cover?
Most standard homeowner’s insurance policies will cover roof damage caused by sudden, accidental events, such as:
+ Hailstorms
+ Windstorms
+ Fallen trees
+ Fire
+ Vandalism
What’s not usually covered?
- General wear and tear
- Lack of maintenance
- Damage from pests or mold
- Older roofs past their expected lifespan
2. Will Insurance Pay for a Full Roof Replacement?
If the damage is extensive and affects the integrity of your roofing system, your insurance may cover a full replacement — not just repairs. However, this often depends on:
The age of your roof
Your policy’s replacement cost vs. actual cash value
The extent and cause of the damage
3. What’s the First Step in Filing a Claim?
We always recommend starting with a professional roof inspection before calling your insurance company. At Ray White Roofing, we:
+ Document all visible damage
+ Provide a detailed inspection report
+ Help you understand if a claim is worth pursuing
Then, if it looks like you have a case, you’ll contact your insurance provider to start the claim.
4. Will You Meet With My Insurance Adjuster?
Yes — and we highly recommend it. We’ll meet your adjuster on-site to ensure they see the same damage we’ve identified. Having a qualified roofing expert present can make a big difference in how your claim is processed.
5. What If My Claim Is Denied?
Sometimes claims are denied due to lack of evidence or unclear damage. But we’ve seen cases overturned with a second inspection or additional documentation. We’ll help you advocate for your property — not just settle.
Why Work With Ray White Roofing?
We don’t just build roofs — we build trust. We’re known for clear communication, honest assessments, and standing by your side during the entire process. No pushy sales. No hidden costs. Just a team that cares.
Need Help With a Roof Insurance Claim?
We’ve got your back. Let Ray White Roofing inspect your roof, walk you through your options, and take the stress out of insurance claims.
