Ask Your Question

Angie's List Answers is the trusted spot to ask home improvement and health questions and get answers from service companies, health providers and consumers. For ratings and reviews on companies in your area, search Angie's List.

Top 30 Days Experts
Rank Leader Points*
1 kstreett 240
2 Guest_9020487 110
3 Guest_9190926 105
4 GoldenKid 100
5 ahowell 95
6 KnowledgeBase 95
7 skbloom 80
8 Guest_98024861 70
9 Guest_9311297 70
10 Guest_9400529 70

*Updates every 4 hours

Browse Projects By Category

Question DetailsAsked on 1/8/2016

Damage to old roof from winds, what will insurance cover?

My home is 34 years old with a shingle roof. A recent wind storm blew off a lot of shingles and now its leaking in the garage. The house needs a new roof. If I put in an insurance claim,will they pay for a new roof, or just a portion of it?
I was told by my insurance agent to get 3 quotes for the roof, then call back to file the claim. Then what happens?

Do you have the same question? Follow this Question

1 Answer


Depends on your insurance type. With a depreciated replacement coverage, they will estimate the remaining life of the roof at the time it was damaged, and pay that portion of the total replacement cost. Say you have 25 year rated shingles and they are 10 years old - they would replace 15/25th of the cost assuming they were in normal condition for that age shingle. If you don't know the age of the shingles they will estimate that too, generally on the older side of course. Of course, if your roof was a 30 year or less rated shingle (almost certainly, especially if that old) and original shingles, then they would say it is past its life and pay nothing for the roof replacement.

If you don't know roof age, you may find it on the real estate disclosure from when you bought the house, or may be able (maybe) to contact prior owners and get a written statement from them as to how old it is.

Generally, insurance companies pay for the direct water damage (assuming it is one-time, not over a long period of time) regardless, as a direct damage cost, without markdown on the cleanup cost, but with depreciation markdown for things like damaged furnishings and carpeting and such.

Now - if you have replacement cost coverage, generally they pay the entire fair market cost to replace the roof and water damage, without deducting a percentage for depreciation.

Your renewal statement probably, and policy certainly, will say if you have replacement cost coverage or not - either as a type of policy, or as a rider maybe. If it does not say, then almost certainly is depreciable value coverage only.

You can see a lot of prior questions (with answers) here about storm damage roofing claims and roof damage/replacement scams in the Home > Roofing link in Browse Projects, at lower left - and below this response if logged in. My recommendation - NEVER sign over your rights to the claim benefit/check or the claim process to a contractor, and don't sign a contract or provisional agreement or such named document with one up front without getting competing bids first.

Also - be sure the rest of your roof is checked for damage during the bidding process- if you had a lot of shingle loss on the garage, unless it was a lot older or lower grade shingles, you are likely to have house roof damage too.

Answered 4 years ago by LCD

Related Questions

Terms Of Use
Privacy Policy