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professional roofers on top of the roof for roof replacement

Will An Insurance Company Pay For A New Roof?

Insurance Pays For A New Roof

The different seasons are reaching their extremes, which is one of the causes of a roof getting damaged. The roof’s long exposure to the sun or heavy rainfall causes it to become more fragile day by day. That is why roof installation and repair services became a thing. If there is damage to your roof, who will pay for it? Damages that are being ignored are more difficult to fix later on. 

If you see a small problem with your roof, do not prolong it. Take action right away and look for roof repair services like Absolute Exteriors. We are a roofing company with more than 50 years of experience. Our services include roofing, siding, solar, and gutters. We also have services for doors and more. You may view our frequently asked questions to learn more about our company. Contact us by phone or by sending an email with your questions and concerns about our service. 

When Do I Need A New Roof?

A roof repair might cost you more. Many insurance companies only explain their insurance coverage once their clients need it. This is why we should prevent insurance companies from giving us false reassurance. A roof can last several years, but when do we know we need something new?

Major Leaks

If there is a visible leak, there is no time to hesitate to get a new roof. This is one of the most obvious reasons people get a new roof for their properties. A roof leak happens for different reasons. It can be due to worn-out materials or storm damage. Once you notice that your roofing materials are weakening, water can start seeping. The water comes in through the shingles. Later, you will notice that it affects the rest of your house.

This is why we should not ignore any small leaks that we see on our roofs. They can be repaired by any roofing contractor. But, in some cases, small leaks are not visible and become larger problems for us to fix. If you are experiencing a persistent leak, consider replacing your roof today. You can have a roof inspection by a professional roofing company to know the extent of the damage. 

An Interior Water Damage

There are roof leaks that you cannot see. This is worse because, the next thing we know, the leak is inside our house already. A leaky roof manifests itself in the form of interior water damage. They may look like streaks, stains, or tiny water spots in the attic. Water damages are usually caused by burst pipes, leaking appliances, or faulty faucets. If you notice small leaks on your ceiling or on the top of your wall, your roof may already leak. 

Make sure to hire a professional roofing contractor like Absolute Exteriors. We can help you with your roofing problems and identify the source of the leak. If there is a roof leak, we can help determine the extent and its possible solution. In many cases, if the damage is severe, we recommend getting a new roof

roof covered for roof installation

Look At Your Rooflines

The shape of your roofline could define whether there is damage present or not. Rooflines should be straight and strong. If you see any dipping or visible sagging, it is important to have a roof inspection right away. Sagging rooflines can be due to bad framing or a water-saturated roof deck. For these scenarios, we install new roofs to fix the problem.

If your sagging rooflines have visible shingle damage or leaks, you must take action to fix the problem. Do not wait for the situation to get worse. Sagging rooflines can lead to a partial or sometimes complete cave-in.

Damage From The Storm

Damages from the storm are one of the leading causes of the roof needing replacement. Heavy storms can cause havoc on roofs no matter their condition before the calamity. Common examples are ice storms, rainstorms, and tornadoes. 

A storm is a real threat to homes, especially those prone to tornadoes and hurricanes. A high-speed wind can tear the shingles off your roof and cause a crack. This becomes a gateway for leaks and UV damage. The situation could get worse if the windstorm is followed by rain or snow. The moisture can enter your home quickly and spread throughout the roofing system. We can avoid this if we inspect our roof in a regular manner. Tiny objects like debris can also enter your home through tiny leaks in the roof.       

What Roofing Services Can You Get For Your New Roof?

Absolute Exteriors offers different types of roofing services. We provide our service to both residential and commercial areas. Our company is a general contractor that uses the latest tools and techniques. We make sure that the job done is right, as we make sure to stay on top of the industry’s new ideas for the best roofing service. 

• Roofing Installations

If any damage is present on your roof, our company also provides roof repair. We believe that a roof is essential, like any other part of your property. To restore its glory, you need someone you can trust to fix the damage. Call Absolute Exteriors for quality service on your roofing needs.  

• Complete Roof Teardowns

There are times when you cannot fix a roof anymore. The only option left for you is to install a new one and remove the old one. Aside from roofing installation, Absolute Exteriors can also do complete roof teardowns. We do this with safety in mind to avoid any accidents during the process.

• Complete Roof Decking Services

Absolute Exteriors installs new roof decking on your residential and commercial properties. To prepare your roof for another installation, you must install new decking first. 

Absolute Exteriors’ services are affordable if you worry about the new roof cost. Expect a great outcome for a reasonable price when you hire our team. We have experts that are ready to help you anytime. For your roofing needs, know that you can rely on Absolute Exteriors. 

roofer on top of a house roof for roof inspection

How To Get Insurance For Your New Roof?

If you are wondering how to get insurance to pay for roof decking, we are here to help. Many homeowners get insurance for roof repair but do not know how to use it when needed. If you notice any leaks or damage to your roof, report it to the insurance company immediately. Making an insurance company pay for the repair costs can be frustrating. Today, we will share a few steps to help make progress faster with your insurer:

Make A Call

To make the process faster, start by calling the insurance company. Find out which papers you need to fix so they can cover the repair costs of the roof.    


After calling, you might need a professional for the next step. Inspect your roof with a licensed public adjuster to make sure the problem is addressed. You will have to fill out the documents that the company asks for. This is to prove the roof problem you are dealing with. Doing this step will give you the greatest settlement for roof damage.      

Completion And Submission Of Documents

Once you finish signing the documents, send them to your insurance company. Do not prolong the process. Call them and ask for regular updates on your problem. If you have any questions, do not hesitate to ask them for a smoother process. 


After thoroughly inspecting and assessing the roof, expect the best-to-worst scenario. Sometimes, they would tell you to get a new roof, as this could help you save more money than another repair. Roofs encounter problems when there is no good foundation. If there is poor workmanship on inson thellation, it shortens the life span of your roof. Extreme exposure to sunlight could also damage your roof. This is why proper installation is also important.

To get the best deal from your insurance company, ask them how much they can cover for a new roof. You may work accordingly, especially if it involves hiring professional roofers. 

With Absolute Exteriors, you do not need to worry about your roofing needs. Whether it is a residential or commercial property, we will provide our service. With 40 years of experience in the industry, we ensure you get the best experience when working with us. For quality roofing work, call Absolute Exteriors. You may contact us at (630) 439-5298 or by sending us an email.

You may get your free estimation to get an idea of the average cost of your roofing needs. Our commitment is to provide premier roofing services in the land of Chicago. You can find us in Bloomingdale, Illinois

To learn more about us, follow us on Facebook and Instagram. Visit our Yelp Page to see our previous work. Our testimonials are also available on our website. Hire a professional roofing service for your needs. Let your roof stay on top with a premier service you can afford. Here at Absolute Exteriors, we won’t let you down.

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Frequently Asked Questions

Insurers frequently factor in the type of roof and material used in their rebuild costs. Slate, tile, concrete shingles, and metal roofs provide the best protection but are also the most expensive to replace.


Because of its low cost of protection, asphalt is a popular roofing material among home insurers and homeowners. Asphalt roofs have a lifespan of 15 to 25 years. It is the most affordable roof option, costing between $100 and $150 per square foot. 


Most homeowners’ insurance policies cover roof replacement if the damage is caused by a natural disaster or an unexpected accident. Most homeowners’ insurance policies will not pay to replace or repair a roof that deteriorates over time due to wear and tear or neglect.


Every aspect of your roof’s construction should be viewed as an investment because your roof is one of the most important barriers between your family and potential hazards. Regardless of how big or small your roof repair changes are, notify your insurance company as soon as possible.


Depending on the building materials, location, and carrier, a new roof can reduce your home insurance premium by 5% to 35%. After replacing their roof, most homeowners expect a 20% reduction in their home insurance policy premiums. 


A flat roof collects debris and pools water, resulting in roof damage and water leaks. It may necessitate additional professional roofing repairs or ongoing maintenance. Furthermore, flat roofs are not designed to support as much weight as sloped roofs. 


Flat-roofed homes can be insured through standard home insurance providers or specialist insurers specializing in the risks associated with flat roofs.



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