How to Get Insurance to Pay for Roof Replacement (2025 Homeowner’s Guide)
When unexpected roof damage hits, the last thing any homeowner wants is to deal with confusing policies and denied claims. The good news? If the damage is caused by a covered event, your homeowner’s insurance may cover all or most of your full roof replacement. But getting there means navigating the insurance company process carefully—and knowing what steps to take.
At Cobex Construction Group, we guide Northern California homeowners through this process every day. In this updated 2025 guide, we’ll show you exactly how to get insurance to pay for roof replacement, avoid common claim pitfalls, and protect your home with confidence.
Does Homeowners Insurance Cover Roof Replacement?
Most homeowners insurance policies do cover roof replacement—but only if the damage results from a covered peril. These often include:
Wind and hail storms
Fire or lightning
Falling trees or debris
Vandalism or accidental damage
However, homeowners insurance typically does not cover damage caused by aging, wear and tear, poor maintenance, or improper installation.
What to Know About Insurance Policies in 2025
Recent shifts in insurance policies mean that homeowners should pay extra attention to:
Roof age restrictions (many policies limit or reduce coverage for roofs 15+ years old)
Cosmetic exclusions for non-functional surface damage
Roof endorsements that may be required for full protection
For California homeowners, it’s essential to review your policy and speak to your insurance company annually.
Explore our roof replacement services and options here.
When to File an Insurance Claim for Roof Damage
Timing is critical when filing an insurance claim. The majority of insurance policies mandate that claims be submitted within a window of 30 to 60 days following the occurrence of the damage.
Signs You May Need to File a Claim
Shingles lifted, missing, or broken after a storm
Leaks in ceilings or attic after heavy rain
Granules building up in gutters
Visible storm or impact damage
If you notice any of these, schedule a professional inspection right away. Acting fast can significantly improve your chances of getting the insurance to pay for your roof repair or replacement.
Schedule your free inspection now with Cobex.
How to Get Insurance to Pay for Roof Replacement: Step-by-Step
Getting your full roof replacement approved starts with preparation, documentation, and the right partner. Here’s how to get insurance to pay without the stress.
1. Review Your Homeowners Insurance Policy
Before filing anything, review your insurance policy for:
Coverage limits
Wind/hail or roof-specific deductibles
Exclusions for older roofs or certain roofing materials
Understanding your homeowners insurance ahead of time prevents surprises and strengthens your insurance claim from the start.
2. Document the Damage Thoroughly
Start by taking high-quality, time-stamped photos and videos of the damage, inside and out. Focus on:
Missing or damaged shingles
Water spots or leaks indoors
Storm debris around the home
Our Cobex inspectors include comprehensive documentation as part of every service call—tailored to what your insurance company needs.
3. Get a Professional Roofing Inspection
A licensed roofing contractor’s inspection often holds more weight than the insurance adjuster’s initial assessment. Cobex provides:
Detailed roof damage reports
Local weather event verification
Replacement cost estimates
Book your professional inspection here.
4. File the Insurance Claim Quickly and Accurately
When you’re ready, file your insurance claim through:
Your insurer’s online portal
Mobile app
Phone call with a claims representative
Attach your contractor’s inspection report, photos, and estimate. Keep a copy of everything you send for your records.
5. Meet with the Insurance Adjuster
After submitting your insurance claim, the insurer will dispatch an adjuster to assess the roof damage.
Pro Tip: Have your roofing contractor present during the adjuster’s visit. At Cobex, we meet with insurance adjusters regularly to make sure every detail is accounted for and no damage is overlooked.
6. Review the Estimate and Understand Actual Cash Value
Insurance estimates typically include:
Replacement cost value (RCV): what it costs to replace the roof today
Actual cash value (ACV): the depreciated amount based on age and condition
Depending on your policy, your claim payout may be based on ACV or RCV. Understanding this difference is critical when determining how much your insurance will pay.
7. Request Adjustments or Appeal if Needed
If your insurance claim is denied or underfunded:
Ask for a reinspection
Submit additional documentation
Consider a public adjuster for complex cases
Cobex often provides supplemental estimates to support appeals and maximize coverage for our customers.
Why Insurance Claims for Roof Replacement Get Denied
Even valid roof damage can be denied for small oversights. Common denial reasons include:
The roof is too old (15–20+ years)
Damage classified as cosmetic only
No storm event linked to the damage
Maintenance neglect or unpermitted repairs
Cobex helps homeowners avoid these issues by providing well-documented reports and meeting directly with your insurance company’s adjusters.
Learn how our workmanship meets all building code requirements.
How to Improve the Chances of Getting Your Insurance to Pay
Insurance claims are more likely to be approved when you:
Keep records of roof maintenance and past repairs
Get annual roof inspections (and store reports)
Take pre-storm photos of your roof for future comparison
Use materials rated for storm and fire resistance
Request add-on roof endorsements in your policy
Why Your Roofing Contractor Matters in an Insurance Claim
Not all contractors are equipped to help with insurance claims—but at Cobex, we handle these situations regularly. Our experience with insurance companies helps you:
Navigate the claim process confidently
Ensure all damage is included in your claim
Avoid delays and maximize your settlement
Case Example: After a windstorm in Sacramento, one Cobex customer had their claim denied due to “lack of damage.” Our inspection team provided weather reports and replacement documentation that reversed the decision—and got their full roof replacement paid in full.
Read more about why Northern California homeowners choose Cobex.
What Happens After Insurance Approves Your Roof Replacement?
After approval, Cobex will guide you through:
Material and color selections
Scheduling your installation
Permits, cleanup, and project management
Final walkthrough and warranty registration
We also help you understand the payment structure, including how insurance disburses funds based on actual cash value and replacement cost.
Learn about our roof installation process.
Frequently Asked Questions
How do I get insurance to pay for roof replacement?
Start with a professional inspection, file your claim promptly, and document the damage with detailed photos and reports. Cobex helps homeowners every step of the way.
Will the insurance company pay for a full roof replacement?
If the damage is extensive and caused by a covered event, yes. Your contractor’s inspection and the insurance adjuster’s report will both influence the outcome.
What is actual cash value vs. replacement cost?
Actual cash value is the depreciated value of your roof based on age. Replacement cost is what it costs to install a new roof today. Your payout depends on your policy type.
What if the insurance adjuster says the damage is cosmetic only?
You can appeal with a supplemental report from a licensed contractor. Many valid claims are wrongly denied as “cosmetic,” especially in California.
Does homeowners insurance cover all roof types?
Coverage applies regardless of material (asphalt, tile, metal), but installation quality and age can impact the insurer’s decision.
Can Cobex help with insurance paperwork?
Yes. We assist with estimates, documentation, and adjuster communication to make the process as smooth as possible.
Final Thoughts: Make Sure Your Insurance Pays What You Deserve
If your roof was damaged by a recent storm or unexpected event, don’t delay. The sooner you act, the better your chances of getting your insurance to pay for roof replacement—and Cobex is here to help you every step of the way.
From the initial inspection to coordinating with your insurance company, our team makes sure nothing falls through the cracks.
Book your free inspection today and take the first step toward protecting your home.
