How to Negotiate Roof Replacement with Insurance


Suppose you have recently had your roof damaged by hail, wind, or other weather-related problems. In that case, you may face the unenviable task of dealing with your insurance company to get it fixed.

In addition to dealing with the emotions that come from seeing your damaged home and belongings, you also have to deal with stressful phone calls and paperwork. It also makes the entire situation seem almost unbearable.

But it doesn’t have to be that way! Keep reading to learn how to negotiate roof replacement with insurance to put this experience behind you as quickly as possible and move on with your life.

How to Get Insurance to Pay for a Roof Replacement


All homeowners insurance policies will list things they’ll pay for. There’s usually a limit on how much they’ll spend on a claim (typically, $5,000 or $10,000).

If you need more than that amount in repairs, you’re responsible for paying out of pocket. That means that your insurance company is not required to cover roof replacement costs. But there are ways to get them to do so—and chances are your insurer doesn’t know about them.

Here are some smart negotiation strategies you can use when talking with your insurance company about roof replacement costs

The Basics


Let’s say your roof is leaking and causing damage. If you don’t act quickly, you might not only run into some costly water damage, but you could also potentially be covered by a bit of a mess. Fortunately, suppose your insurance company agrees to do it. In that case, they can often replace your roof—but there are a few things that they typically won’t cover. That doesn’t mean you should be left completely in the dark, though; consider these tips for negotiating roof replacement with insurance.

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Getting Started


Having to replace your roof can be a financial hardship, but you’re not doomed to spend thousands of dollars on a new one. Negotiating with your insurance company may be worth it. Insurance companies consider roof replacement a loss and will try to recoup their losses from you by denying any claims for repairs. If you can negotiate with them, you might get them to pay for most of your repair costs upfront—and even do it yourself! Here are five steps on how to start negotiating with your insurance company

Before the Contractor Arrives


One of the best things you can do is be prepared when your contractor arrives. Knowing what you want, what materials and labour will cost, and exactly how much it will all cost ahead of time are great ways to ensure that you’re getting a fair deal on your roof replacement.

As soon as you have an idea of whether or not insurance will cover part or all of your roof replacement, call around for estimates.

Get Help From the Right People


It can be tempting to negotiate roof replacement on your own. Still, insurance companies have a team of specialists dedicated to handling just these sorts of claims. If you don’t have experience dealing with insurance companies, get in touch with an independent adjuster and explain that you’re interested in getting your roof replaced.

Ask them how they would negotiate roof replacement and what type of deals they’ve managed to get for other clients who also needed roof repair.

Final Steps


The insurance adjuster will offer you a settlement. Before you agree, think about how much it would cost you to replace your roof on your own. Make a counteroffer of about 20% of their initial quote but still leave room for negotiation.


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