Most policies offer two types of coverage: roof repair and roof replacement. Roof replacement is usually covered if it is caused by something that could not have been prevented like weather or accidents.
Most homeowners insurance policies will cover roof repairs if the damage was the result of something unpreventable such as storms, burglary, or an accident. Your insurance does not cover repairs that are the result of general wear and tear.
Storm Guard is dedicated to transparency and accuracy and will help you get on the road to repair. Our team of professionals are here to help address your questions and concerns quickly, efficiently, and honestly. Check out all the services Storm Guard offers and learn more about the different roof types available.
Storm Guard is dedicated to transparency and accuracy and will help you get on the road to repair. Our team of professionals are here to help address your questions and concerns quickly, efficiently, and honestly. Check out all the services Storm Guard offers and learn more about the different roof types available.
The cost per square foot varies by roof material and system. Here is a general breakdown of the material cost:
Asphalt shingle roof: Between $3.50 and $6.00 per square foot
Metal roof: Between $4.50 and $25 per square foot depending on the type of metal. The least expensive is corrugated steel and aluminum and the most expensive is zinc and copper
Clay tile roof: Between $10 and $18 per square foot
Cedar shake roof: Between $5.50 and $10.00 per square foot Slate roof: Between $9 and $16 per square foot.
The cost of roofing depends on the type, size, and difficulty of the roof. Here is a general breakdown of average roof installation cost:
Asphalt shingle roof: Between $7,000 and $13,200
Metal roof: Between $12,000 and $20,000
Clay tile roof: Between $25,000 and $50,000
Cedar shake roof: Between $15,000 and $30,000
Slate roof: Between $20,000 and $45,000
First, check your policy. If the reason you want a new roof is not covered then you may be on your own. If not, then odds are you can work with your insurance company to pay for some if not all of the new roof. Be sure to document the damage in writing and in pictures. Pictures help make your situation clear, especially photos with timestamps. The more evidence you have, the better. Also, check the age of your roof. Roofs less than 10 years old are usually covered by insurance, but older roofs may have limitations. Your final step is to get a professional opinion and an estimate on how much the repair or replacement will cost. If your roof professional says repairs will save the insurance company in the long run, they’re more likely to help pay. Storm Guard will help you file your claim and get the repair process started.
A thorough roof inspection will take place on the ground, on the roof, and in your attic if there is an access point. The roof inspector will take notes on the damage they find and walk you through any needed repairs.
To make your roof last longer, avoid power washing your shingles. It’s easy for water to get underneath the shingles and break them. Be sure to check your ventilation and gutters regularly to help avoid water damage. Insulate your attic to help avoid ice dams and water damage.
A roof inspection helps you catch small problems before they become big. By the time you can see leaks on your ceiling, chances are you already have a large amount of damage.
The national average to completely tear off and replace a roof is between $7,000 and $12,000. This price will usually include the removal and disposal of two or fewer layers of old shingles as well as the installation of underlayment, ice and water shield and new flashing for the chimney.