How to Negotiate a Roof Replacement With Insurance in 2024

July 28th, 2023 BY First American Roofing

You pay a substantial premium for homeowners insurance, so your insurance company should pay out a premium in return when your roof incurs storm damage, right? Unfortunately, that’s not usually the case as all insurance companies have one thing in common: 

They like to pay as little money as possible. 

This is especially true when it comes to roof damage, which leads homeowners to wonder how to negotiate a roof replacement with insurance to get out what they’ve put in thus far.

Below, we’ll uncover everything you need to know about getting the most out of your homeowners insurance company. That way, you’ll know what to do and what your alternative options are when it comes time to file a roof damage claim.

Can I Negotiate With My Homeowners Insurance Company?

home insurance being reviewed by homeowner

The first thing you need to understand about how to negotiate a replacement out of your insurance is that insurance companies don’t actually negotiate payouts. The payout you receive will depend entirely on the company and the specific policy you have with them — which we’ll get to in just a minute.

Generally speaking, homeowners insurance companies tend to only offer policies that cover roof damage occurring from sudden and unexpected events, such as:

While the above events are typically covered up to a certain percentage, the real question is whether your insurance company will cover an entire roof replacement or just repairs — or if they’re willing to cover either. 

When Homeowners Insurance Won’t Cover Roof Replacements

The second thing you need to understand about your homeowners insurance is that not only will you not be able to negotiate your payout but there are certain instances where you’ll be denied coverage.

These instances include:

Roof Damage Coverage Types

Exclusions are just one part of your policy that you’ll need to review carefully. You’ll also want to be sure that you understand the type of policy you have to determine whether you have a good chance of getting replacement coverage.

Ultimately, you’ll either have an Actual Cash Value (ACV) policy or a Replace Cost Value (RCV) policy. Each type of policy offers a payout, but the amount will vary significantly.

It’s important to keep in mind that neither policy payout will cover 100% of your roof replacement costs. This is obvious with the ACV policy, but with the RCV policy, your insurance will only pay to restore your roof to the newest version of itself. Therefore, if you choose to upgrade from 3-tab asphalt shingles to architectural shingles, you can expect to pay the difference out of pocket.

The Best Way to File a Roof Insurance Claim

new homeowner couple looking at the insurance on laptop

Since you cannot negotiate roof replacement payouts with your insurance company, the only alternative to getting what you need is by filing the claim correctly — and with the support of your roofing contractor.

Bearing in mind that you know what your insurance policy covers, here’s how it’s done:

There are also a few important things to keep in mind during the insurance claims process:

Are You in Need of a Roof Replacement?

You can’t haggle with your insurance company to completely replace your roof, but you can comb through your policy to see what you’re in for. You can also find a roofing contractor that will support you through the claims process. 

While the professionals at First American Roofing cannot file your claim for you or guarantee it’ll be approved, they can offer you insurance claim guidance for the best possible outcome. We also offer some of the best warranties in the roofing industry, which means your investment will be protected for years to come.

Get in touch with us today to schedule your free roofing inspection or to learn more about our roof storm damage services.