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Navigating Roof Tear-Off and Replacement: Insurance Coverage Explained

December , 2023 | 6 min. read

By Joe Martinez

roof installment in progress

Roof tear-offs and replacements can be inconvenient, especially when you don’t know what insurance will cover and what you’ll pay out of pocket. 

If you're unsure about what insurance will cover, you're in the right spot. Managing a big roofing project includes timing and expenses. This thought often makes homeowners postpone necessary work.

We understand these challenges. With 30 years of experience under our belts, our family at RoofCrafters has encountered nearly every roofing scenario imaginable. We know life is hectic, and finding time and funds for a roof replacement isn't easy. Where do you even begin in this complex process?

To help clear up the confusion, we've crafted this article as your go-to guide. The purpose of this is to give you all the information you need. It includes details about removing and replacing the roof. It also tells you what your insurance might pay for. Let's demystify this process and help you move forward with confidence.

Understanding the Roof Tear-Off Process and Its Benefits


When you decide to get a new roof, your contractor will first conduct a roof tear-off. They will inspect your roof and remove the shingles section-by-section to prepare for a new roof. The roofing tear-off process is exactly what it sounds like. 

roofcrafters crew replacing roof

When you decide to go through with the tear-off process, everything that gets replaced will be brand new. Any rotted decking will be removed and replaced, leaks will be repaired, and new flashings will be installed. Not only will a tear-off job last you longer than any repair or overlay, but it will also add significant value to your home. 

Estimating the Cost for Roof Tear-Off and Replacement


The cost of tear-off and replacements varies depending on the type of roof, the material used, and the coverage area. It’s important to take into consideration if your roof is steep or complex, as it will increase the average cost.

steep 4 story roof replacement in progress

To give you a better idea, here are the average costs to tear off and replace the roof on 5 of the most popular roof types we install on average-size homes:

3-Tab Shingles: $7,300 – $10,600

Architectural Shingles: $11,200 – $17,100

Upgraded Architectural Shingles: $13,100 – $19,000

Metal Roofing: $27,500 – $42,300

Tile Roof: $33,700 – $69,800


how much does a roof tear off and replacement cost

Understanding Insurance Coverage for Roof Tear-Off and Replacement Costs


If the price range for a new roof scares you, then you aren’t alone. With insurance, your average cost can be as low as your deductible since most policies cover roof replacements. You are only responsible for the policy deductible if it has damages that qualify. Insurance companies may even discount your policy after replacing your roof, thereby saving you hundreds of dollars every year.

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Cases Where Insurance Covers Damages


If your roof is damaged because of an accident, such as heavy objects falling on it and causing extensive damage, then your insurance company will cover it.

storm damaged (1)-1

Vandalism by a third party is also covered by insurance, as is any roof damage caused by fires. When it comes to acts of nature, the coverage is specific to your insurance policy, so check with your service provider. Insurance companies have certain terms that you have to comply with to remain eligible for insurance claims.

hand holding gold ball-size hail showing damage to shingles in Florida

Any damage caused during storms is eligible for insurance coverage such as:

  • Impact damage by hail
  • Roof leaks during storms
  • Fires caused by lightning
  • Roof damage from trees
  • Roofing damaged by wind
  • Cases Where Insurance Won’t Cover Damages

Situations Where Roofing Insurance Claims May Be Denied


Normal wear and tear of a roof is not covered by insurance carriers.  There are several other cases where you won’t receive an insurance payout. Remember insurance is there in case Mother Nature strikes. Not for normal maintenance.

hand lifting loose shingles in valley during a roof inspection


Age: Don’t expect a payout on a shingle roof that is 15 to 20 years old. Most insurance companies offer limited or no coverage on older roofs. Even if your insurance policy otherwise covers the roof damage, older roofs are often denied due to age.

Poor Flashing: You should call a contractor to inspect your roof bi-annually, at least. A roofer can diagnose flashing problems that could save costly repairs or worse, have your insurance deny the claim because of flashing neglect. Diagnosing problems early allows you to save on future repair costs.

Poor Maintenance: You should inspect your roof for damage frequently. Conduct visual inspections to ensure that everything is in order, and call a roofer if you see any signs of damage. Always call a roofer after a storm to look for any damage that might not be visible on the roof.

Inexperienced Contractor: Insurance doesn’t cover damages caused by improper installation or faulty repairs. Never treat your roof as a DIY project or try to save money by hiring a cheap roofer for the job. Roofing is a highly specialized field, and most contractors charge according to their experience and skill.

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Making an Informed Decision About Roof Tear-Off and Replacement


Before you delved into this article, the thought of dipping into your savings for a roof tear-off might have seemed daunting. But armed with new knowledge, you're now in a much stronger position. You now know when insurance covers a roof replacement. Equally important, you know when it may not cover it.

The best next step? Consult a professional roofing contractor. They can provide a detailed breakdown of costs and insurance coverage. This will be tailored to your specific situation. At RoofCrafters, we bring 30 years of expertise in roofing across South Carolina, Georgia, and Florida. Our team is skilled and ready to guide you through the roof tear-off process. We will help you make an informed and financially savvy decision for your home.

If this guide has you feeling a new sense of hope, go ahead and schedule your inspection with RoofCrafters today, and one of our experts will give you an honest inspection to see what your insurance will cover. In the meantime, browse the extensive resources listed in our learning center. We recommend reading, "Is Your Roof Covered by Homeowner's Insurance?" so that you can better understand your policies.

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Joe Martinez

At RoofCrafters, our mission is to provide job opportunities for others to thrive and grow while making a meaningful impact within our communities.