Ocean County Roofing
  • Home
  • About
  • Contact
  • Locations
    • Lakewood Township, NJ
    • Brick Township, NJ
    • Jackson Township, NJ
    • Lacey Township, NJ
    • Stafford Township, NJ
    • Silverton, NJ
    • Toms River, NJ
    • Point Pleasant, NJ
    • Brielle, NJ
    • Manasquan, NJ
    • Spring Lake, NJ
    • Beachwood, NJ
    • Berkeley, NJ
    • Sea Girt, NJ
  • Home
  • About
  • Contact
  • Locations
    • Lakewood Township, NJ
    • Brick Township, NJ
    • Jackson Township, NJ
    • Lacey Township, NJ
    • Stafford Township, NJ
    • Silverton, NJ
    • Toms River, NJ
    • Point Pleasant, NJ
    • Brielle, NJ
    • Manasquan, NJ
    • Spring Lake, NJ
    • Beachwood, NJ
    • Berkeley, NJ
    • Sea Girt, NJ
Search

Should I use insurance to replace my roof in Ocean County, NJ?

Residential roofing near Ocean County, NJ
​​The answer to this question will depend on a few things such as your policy, deductible, size of the home and reason for the roof replacement. Most insurance companies will only cover the cost of a new roof if something happened to the old one such as peril or hail damage. So to answer the question vaguely, if you CAN use your insurance to cover the cost or a new roof then by all means you should try. There are things however that you need to consider when trying to use insurance to replace a roof in Ocean County. 
If your roof needs to be replaced simply because it is old (no damages have happened to the roof ever) then insurance companies have no obligation to pay for a new roof replacement. Like mentioned earlier, most homeowners insurance companies cover severe damages such as extreme wind, hail, tornados, lightning strikes and fires. If none of the above damages have taken place at your home then repairing or replacing your roof will fall onto your shoulders most likely. 
Cases such as the home being struck by lightning, a tree falling through the roof or a fire will almost always be covered by insurance if you file a home damage claim and go through the process. Our roofing contractors near Ocean County have seen quite the number of damaged roofs and understand that the majority of roof replacement claims come from hail damage, water damage and severe wind. Some companies will require substantial damages to the home before they cover the entire cost of a roof replacement near Ocean County but it is always a good idea to check with your agent. We always recommend getting into contact with your insurance agent so they can go into further policy details.
Like mentioned before, you may not be able to use home insurance for a new roof unless it was damaged. When you first notice the damages be sure to contact your insurance company within a few days to begin the claim process and to get quotes from local roofers. Some insurance companies will not insure a roof if it is past a certain age when the policy was first opened. This means that if you opened a new policy but your roof is 25 years old they may only cover a percentage of any damages or repairs. Older roofs are categorized into “high risk” groups which means they are more at risk to have damages happen to them compared to a fairly new roof. 
The final deciding factor when you should use insurance to cover the cost of a new roof or not is comparing the cost of your deductible vs the actual repair/replacement cost. For example if your home was damaged by a wind storm and a roof repair will cost $500 you may not want to file a claim with the insurance company if your deductible is $1000. It would make more sense to simply pay for the repair out of pocket. 
When dealing with insurance during situations like this they will use a common term called peril and act of god. They use these terms to describe events which would not have been prevented such as lightning strikes, hail and wind. Acts of god are the most common type of coverage for roofing policies and almost every plan will include some kind of peril coverage. Yoru insurance can have different deductible rates based on the type of damage. Your policy may have a higher deductible rate on hail damage compared to a fallen tree for example. If you need a roofer near Ocean County, New Jersey then be sure to give us a call today! Our professional Ocean County roofing contractors are here and ready to help with your roof replacement.

​Call us today for a FREE quote
​

732-845-6572

Contact Us

  • Home
  • About
  • Contact
  • Locations
    • Lakewood Township, NJ
    • Brick Township, NJ
    • Jackson Township, NJ
    • Lacey Township, NJ
    • Stafford Township, NJ
    • Silverton, NJ
    • Toms River, NJ
    • Point Pleasant, NJ
    • Brielle, NJ
    • Manasquan, NJ
    • Spring Lake, NJ
    • Beachwood, NJ
    • Berkeley, NJ
    • Sea Girt, NJ