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Roof Insurance: What To Do If You Need A Replacement? 

Roof Insurance: What To Do If You Need A Replacement | KBD Insurance
Curtis Killen

As president of KBD, Curtis aims to simplify insurance for his clients. He’s helped lead KBD to become one of Canada’s fastest 400 growing companies according to the Globe & Mail.

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Curious about roof insurance? Whether it’s storm damage or wear and tear, understanding your coverage before you experience a claim is crucial to avoiding a huge bill. Here’s what you need to know about roof replacement insurance.

From unexpected leaks to storm damage, knowing how your roof insurance coverage works can save you stress and money. 

We’re explaining everything you need to know below. 

Or, if you’re ready for a custom roof insurance quote, we can help with that too.

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Click ahead to learn what you need:

How to get insurance to pay for your roof replacement?

Before your roof ever needs replacing, make sure that your insurance policy includes this coverage. 

With that covered, here’s how to file a claim for roof replacement:

  1. Assess your policy coverage: Review your existing home insurance policy to understand your coverage for roof replacement. Look for specifics regarding roof damage and replacement in your policy documents.
  2. Document roof damage: Document any damage to your roof with photographs and written descriptions. Be sure to keep records of maintenance and inspections to demonstrate the condition of your roof prior to damage.
  3. Contact your insurance provider: Reach out to your insurance broker or agent as soon as you notice damage to your roof. File a claim promptly and provide all of the necessary documentation to support your case.
  4. Consider policy limits and deductibles: Be aware of any coverage limits and deductibles outlined in your policy. That way, you’ll know how much you will have to pay out of pocket, and how much you can expect to have covered. 
  5. Seek professional assistance: Consult with a reputable roofing contractor to assess the extent of damage and provide repair estimates. Work with professionals who can assist with insurance paperwork and negotiations.
  6. Schedule inspection: Coordinate with your insurance adjuster to schedule an inspection of the roof damage. Be prepared to provide documentation of the damage and any repairs that have been made.
  7. Obtain repair estimates: Obtain estimates from reputable roofing contractors for the cost of repairs or replacement. Submit the repair estimates to your insurance company as part of the claims process.
  8. Follow up on claim status: Stay in communication with your insurance company to track the progress of your claim, and address any questions or concerns raised by your insurance adjuster promptly.
  9. Follow up on your claim: Stay in communication with your insurance provider throughout the claims process. Follow up on any requests for additional information or documentation promptly. This will help your claim be processed much more quickly. 
  10. Finalize claim settlement: Review the settlement offer provided by your insurance company. If you believe the settlement offer is insufficient, you can opt to negotiate with your insurance company to reach a fair resolution.

Insured with KBD? 

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Does home insurance cover roof leaks?

Roof leaks can wreak havoc on your home, so it’s important to take care of them as soon as you notice the damage.

But will your insurance cover the damage? 

Here’s what you need to know:

  1. Policy coverage: Review your home insurance policy to determine if roof leaks are covered. Some policies may provide coverage for sudden and accidental leaks, while others may have exclusions.
  2. Age of your roof: Insurance coverage for roof leaks may vary depending on the age of your roof. Older roofs may have limited coverage or exclusions for leaks due to wear and tear.
  3. File a claim: If you experience a roof leak, file a claim with your insurance provider promptly. Document the damage with photographs and descriptions to support your claim.
  4. Consider maintenance and upkeep: Regular maintenance and prompt repairs can help prevent roof leaks and may impact coverage. Make sure that your roof is in good condition to minimize the risk of leaks and potential insurance issues.
  5. Professional assistance: Work with experienced roofing contractors to address roof leaks and assess repair options. Professionals can provide documentation and estimates to support your insurance claim.
  6. Review policy exclusions: Be aware of any exclusions related to roof leaks in your insurance policy. Make sure that you understand the limitations of your coverage to avoid surprises during the claims process.

What do insurance adjusters look for on roofs?

After you’ve made an insurance claim to replace your roof, an insurance adjuster will assess the damage to determine your claim eligibility. 

When insurance adjusters assess roofs, they scrutinize various factors to determine coverage and risk.

Here’s what they typically consider:

  1. Roof condition: Insurance adjusters assess the age of the roof and signs of wear and tear. They look for visible damage such as missing shingles, cracks, or leaks, and check the overall structural integrity of the roof for stability.
  2. Material and installation: They’ll evaluate the type of material used for the roof, such as asphalt shingles, metal, or tile, and will ensure the roof was installed properly according to building codes and manufacturer specifications.
  3. Maintenance and upkeep: Review maintenance records to assess the care and upkeep of the roof. Checking the functionality of gutters and drainage systems to prevent water damage.
  4. Environmental factors: The local climate and weather conditions that may affect the roof’s longevity and durability will also be considered, as well as the risk of natural disasters such as storms, hail, or wind damage.
  5. Documentation: The adjuster will provide the insurance company with documentation of any repairs or renovations done to the roof, including photographs of the roof condition to support insurance claims.

What kind of roof is best for insurance?

The type of roof that your home has will impact insurance coverage and premiums. 

If you are currently replacing your roof, here are some considerations for selecting a roof that aligns well with your insurance:

  1. Impact-resistant materials: Metal roofs are highly durable and resistant to impact from hail and debris, making them favorable for insurance coverage. These materials offer excellent durability and resistance to damage, reducing insurance risks. Metal roofs can last up to 40 to 70 years in Canada
  2. Fire-resistant materials: Roofing materials with Class A fire ratings, such as asphalt shingles treated with fire-retardant chemicals or metal roofs can potentially get you lower insurance premiums. Asphalt shingles typically last 20 to 30 years with the right maintenance. 
  3. Wind-resistant design: Look for roofs designed with wind-resistant features, such as proper installation techniques and reinforced materials.
  4. Regular maintenance: Be sure to implement regular maintenance schedules to keep the roof in optimal condition and minimize insurance risks.
  5. Local climate considerations: Choose roofing materials that can withstand the specific climate challenges of your region, such as heavy snow loads or high winds.
  6. Professional consultation: Consult with roofing professionals to determine the best roofing options based on your insurance needs and budget.

Need a home insurance quote?

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What is recoverable depreciation for roof replacement?

Depending on your coverage, you may be covered for the total cost of your roof replacement, or just a portion of it.

This is why it’s important to understand whether or not you have a recoverable depreciation clause in your policy.

Here’s what you need to know about the different coverages for roof replacement:

  1. Actual Cash Value Replacement Policy: This policy will pay out for the current value of the roof. For example, if you purchased your roof for $15,000 ten years ago, and it depreciated by half each year, your insurance company will pay out $7,500 to reflect the current value of the roof. 
  2. Replacement Cost Value Policy: This policy includes what’s called “recoverable depreciation.” If you have this clause in your policy, your insurance company will cover the actual cash value of the roof, and the depreciated difference. So, if you file an insurance claim for a roof replacement, the insurance company will assess the cost to return your roof to its brand-new condition and will give you an initial payout based on this estimate. Once you’ve found a contractor to complete the work within the scope of the estimate and provide proof that the work was completed, your insurance company will then pay out for the recoverable depreciation portion.

Insurance claims process for recoverable depreciation

Here’s what to expect when filing a roof insurance claim that includes recoverable depreciation:

  1. Initial claim payment: Insurance companies often release an initial payment for roof damage, minus the recoverable depreciation.
  2. Completion of repairs: Recoverable depreciation is typically released after repairs or replacement have been proven to be completed.
  3. Proof of completion: Submit documentation such as invoices or receipts to your insurance company to prove that repairs have been finalized.

The importance of recoverable depreciation

  1. Financial recovery: A recoverable depreciation clause ensures that policyholders receive the full amount owed for repairs or replacement.
  2. Encourages timely repairs: Holding back depreciation funds incentivizes homeowners to promptly complete necessary repairs.

Tips for handling recoverable depreciation

  1. Understand your policy terms: Review your insurance policy to understand how recoverable depreciation is handled.
  2. Document repairs: Keep detailed records of all repair expenses and provide documentation to your insurance company.

Communicate with adjusters: Maintain open communication with your insurance adjuster throughout the claims process to ensure a smooth resolution.


So, there you have it. Roof insurance 101, explained. 

Keeping your roof in top-top shape is key to maintaining the condition of your home. 

Whether you’re weathering Canadian snow storms or summer heatwaves, having the right roof insurance coverage ensures your peace of mind. 

Remember: Proactive maintenance coupled with comprehensive insurance can mitigate potential risks and unexpected expenses down the line. 

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