It depends on the cause and on your policy, and the distinction that matters most is sudden accidental damage versus gradual wear. Storm, wind and hail damage is usually the sort of loss a policy contemplates; a roof that has simply reached the end of its service life generally is not, however leaky it has become. Many policies also distinguish between replacement cost and actual cash value, which changes the settlement significantly on an older roof. What helps every claim is evidence gathered before anything is disturbed — photographs of the damage, the entry point and the interior consequences, in the state they were found. That is exactly what our storm response documents. We assist with the insurance process and provide documentation to support your claim; we do not decide the outcome, and we will not tell you a claim will be approved before an adjuster has seen it.
This answer is written from what we actually do. If you want it applied to your roof specifically, an inspection and written estimate are free — call (856) 292-7046 or reach your nearest of our 15 offices.
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The services behind this answer
Roof Installation · Roof Repair · Roof Replacement · Gutter Installation & Guards · Roof Inspection · Storm Damage Roof Repair
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