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How do I file a claim to replace the roof of my house?
My roof is 28 years old, so it's definitely due for a replacement. How do I file a claim to replace the roof?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If your roof is old, your home insurance isn’t going to cover the costs. Homeowners insurance will only replace the roof if it was damaged by a covered peril, like a windstorm or fire.
What you’re thinking of is a home warranty, which will cover the costs of replacing your roof. This is like how an extended warranty, and not
car insurance
, would cover wear and tear to your vehicle.Once you do replace your roof, make sure to get in touch with your insurance company so they can adjust your coverage.
Home improvements often affect your rates. While a new roof should lower your rates, it’s still a good idea to shop around and make sure you’re getting the best coverage.
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