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When Your Washington Roof is Damaged, Know Your Insurance Claims

Greetings from sunny Colorado, Washington home owners and roof shoppers! I’ve come to the excellent Chase Construction blog today to help you deal with the sometimes confusing process of roof insurance claims. If you experience roof damage, you should know a bit about the claims process for Washington roof damage.

There are many myths and inaccuracies about roof damage and insurance claims. The first thing you should do if you believe your roof has damage is schedule a roof inspection. Your roof can be damaged by wind, storms, hail, tree branches, and more. Even if you don’t see any missing shingles, a local roof contractor can tell you if you have a possible claim.

TLeak repair for Tacoma Washingtonhe biggest myth about roof insurance claims is that your insurance company will raise your rates if you file one. This is simply not true! Insurance companies are used to dealing with roof claims and, especially if your area suffered from a recent storm, your neighbors are likely making similar claims.

Your roofer will work with your insurance agent to determine several key factors for your roof claim:

RCV (Replacement Cost Value): This is the estimated cost for repairs, determined by your insurance company.

If your roof condition has deteriorated, it will result in Depreciation. Depreciation means your roof is worth less than it used to be due to wear and tear over time. Your insurance agent will deduct the Depreciation from the RCV to create the Actual Cash Value (ACV). This is how much your roof is currently worth.

Deductible: The deductible is simply the amount of the claim that you, the homeowner, are responsible for. Your deductible should be predetermined in your homeowner’s insurance policy.

To figure out your final claim, your insurance agent will subtract your deductible and any depreciation from the Replacement Cost Value. They then add the Base Service Charges, which are extra costs reimbursed to your construction company for travel time and setup.

In the end, you only have to worry about paying your deductible. You will sign over your insurance checks to the contractor to pay for the total cost of your new roof.

Protect Your Tacoma Roof

You should also check your policy for exclusions and other roof related items. Your insurance might exclude certain coverage toavoid taking on extra expenses. Common roof exclusions are:

Complete replacement. You can almost always get your roof repairs covered, but sometimes full replacement is refused. Usually damage from neglect or poor maintenance leads to denied coverage, but storm damage or other damage from external elements, like trees, will be OK.

Material restrictions. Some insurance companies will deny claims for new wood shake, slate, stone and/or tile roofs. Wood shake is denied most often because it isn’t as durable and can be pricey. New  and “green” roofing materials can be denied because insurance companies don’t know what to expect from them in the future. Your best bet for a roof claim is to replace your roof with asphalt shingles or metal roofing.

Roof age. The older your roof is, the less likely it is to be covered by insurance. Old age makes it hard to tell where damage came from. If you buy a new home, you should make sure there aren’t shingle layers stacked on top of each other. Sometimes roofers install shingles on top of the old ones. This saves on labor but is likely to result in denied insurance claims down the road.

It can seem like a big pain when your roof is damaged, especially in the case of severe damage. But with this knowledge under your belt, you’ll be better prepared to deal with your insurance claim process!

This guest post was written by Metro Construction, a Denver roofer and general contractor that serves Colorado and Wyoming. Metro offers roofing, insulation, siding, gutters, windows and painting. One of only 120 Platinum Preferred contractors with Owens Corning in the United States, Metro is dedicated to top of the line service and customer satisfaction.

10 thoughts on “When Your Washington Roof is Damaged, Know Your Insurance Claims”

  1. This is some really good information about roofing care. I just bought my first car. It is good to know that it would be smart to think about the depreciation of my roof. It is good to know that it would be smart to for me to get my roof fixed every now and then to keep it well maintained.

  2. I need to find a roofing contractor because this latest storm made us realize we have a leak above the front room. Your information that we can almost always be covered for a roof repair is very helpful. We’ll make sure to double check with a roofing service and our insurance company to make sure that everything will be covered.

  3. This is some really good information about roofing care. It is good to know that it would be smart to consider what the material restrictions are. That is good for me to know because I want to get a new roof installed soon and I want to make sure that the materials are a good fit with my insurance.

  4. My husband and I are trying to find a quality roofer to fix the section that started leaking in the most recent storm. There was a loud crash, so I would assume that a tree branch blew into the roof. Your information that we should read over our insurance policy to make sure we are only hiring them within our determined material restrictions, like using shingles instead of slate or stone, is very helpful.

  5. This is some really good information about how to deal with storm damage to your roof. I just moved into an area that gets a lot of bad storms. It is good to know that it would be smart to think about what types of materials I can use.

  6. My roof needs some work done on it this winter. It is good to know that I will want to talk to a contractor about what materials to use. It might be smart to get a professional to help with installing those new materials.

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