Self-Paying vs. Using Insurance: How Should You Pay for Your Roof?

When replacing the roof on your Mid-Atlantic home, there are two ways you can pay for it: self-paying through financing or cash, or filing an insurance claim.

When a roof has suffered damage, it may qualify for an insurance claim, but what sort of damage does insurance cover? And how does that process work? Let Nu Look Home Design be your guide.

As the premier roofing company serving Maryland, northern Virginia, New Jersey, Pennsylvania, and Delaware, we’ve helped countless homeowners determine the best route to getting the new roof of their dreams.

Does Insurance Cover Roof Replacement?

Many homeowners misunderstand the type of damage an insurance company will cover. A tree falling on your roof isn’t the only sort of damage that could qualify your roof replacement for insurance coverage.

There are many other, less obvious kinds of damage that insurance companies will cover that aren’t evident until you get up on the roof.

For instance, shingles have what’s called a “bond-to-bond” seal, which secures the shingles to the ones beneath them. Weather events can (and often do) blow through, breaking that seal and creasing your shingles, compromising their integrity. This damage can’t be seen from the ground, but the shingles are indeed damaged and may qualify for coverage under common insurance policies.

How Can Nu Look Home Design Help?

How do you determine if your roof has damage that your insurance company will cover? It’s simple — call Nu Look Home Design for a roof inspection. Our roof inspectors are properly trained to identify damage caused by weather.

Whereas most roofing contractors will perform a simple inspection, our trained professionals will provide a comprehensive inspection you can use to get the most out of your insurance claim, if you file one. We’ll even give you a tablet to see our roof inspector completing the inspection in real time with the use of a GoPro.

Our insurance expert will provide a detailed report and photos, so you know exactly what was found. If you decide to go through your homeowners policy, our insurance expert will work directly with your insurance adjuster to get the most possible coverage. Based on our reports, many homeowners can get their roofs replaced for just the cost of their deductible.

After getting the results of your roof inspection, the choice is yours whether to file an insurance claim or pay for your roof replacement with cash or through financing. As long as you have Nu Look Home Design on your side, you can trust that you’ve explored all your options and can make an informed decision about the best route for you.

Contact us today to learn more about our roof replacement services or get more information about insurance claims or financing. We’re ready to take your call!