Why Did My Home Insurance Company Only Pay for Half of My Georgia Roof?

We see some ugly weather here in Georgia from time to time. 

And while Loganville is a great place to live, we know we can sit in harms way when it comes to hurricane-force winds and even hailstorms. 
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In the insurance policy world, we call those "perils". 

After sustaining damage from one of these covered perils and filing a claim, the reason your home insurance company may have only paid for half of your Georgia roof is because they may not have considered the full scope of damages.
When assessing a claim, insurers take into account factors such as the age and condition of the roof, the type of damage sustained, and the extent to which it affects the overall structure.

If any one of these components is deemed inadequate, they could decide to only pay for half of the repair costs.
In addition, if your roof is older or there are multiple layers of shingles or other materials, they may not cover the full cost due to additional labor and materials required.

Finally, some insurance companies may limit coverage if they believe that the damage was caused by a lack of maintenance or neglect on the homeowner's part. If this is the case, they could decide to only cover half of the repair costs.

It is also possible that your home insurance company only paid for half of the Georgia roof repair due to the amount of coverage they provide.

Most policies have a maximum limit on the amount they will pay out in claims, so if the cost of repairs exceeds this limit, they may not cover all of it.

Additionally, some insurers may include a deductible in their policy which must be paid before they will cover the remaining costs of the repair.

If this is the case, you could be paying for a portion of the repairs out-of-pocket.

Ultimately, it is important to understand your home insurance policy.

Will My Insurance Company Pay for My Roof Replacement?

When it comes to replacing your roof in Georgia, the answer to whether or not your insurance company will pay for a new roof is not always simple.
In some cases, insurers may only cover part of the cost of replacing a roof due to certain factors such as age or the type of damage sustained. It is important to understand why this might be the case so that you can determine what action to take.

In Georgia, most home insurance companies will cover the cost of a new roof if it has been damaged by wind, hail or lightning.

However, even in these cases, the insurer may only pay for part of the cost of replacing the roof if there are any signs that the damage was caused by wear and tear or age. For example, if your roof is more than 15 years old, the insurer may only pay for half of the cost of a replacement.

This is because when a roof has reached 15 years old or more, it begins to show signs of deterioration such as missing shingles or curling edges, which may indicate that the damage was caused by age or wear and tear.
In addition, some insurance companies in Georgia do not offer coverage for roofs that have been damaged by water or other types of weathering. If your roof has been damaged by water, then you may need to pay for the full cost of replacing it yourself.

Know Before the Storm

While most homeowner’s insurance policies in Georgia will cover the cost of replacing a damaged roof, there are certain instances in which the insurer may not provide coverage.
It is important to read through your homeowner’s insurance policy carefully in order to understand what is and is not covered. Knowing what type of damage is excluded from your policy can help you plan ahead for any potential expenses.

Finally, it is important to remember that insurers in Georgia may also require that you use approved contractors for any roof repairs or replacements. This ensures that the work is done properly and in accordance with local building codes.
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As such, you may have to pay the difference in costs between an approved contractor and a less expensive option.
In summary, whether or not your insurance company will cover the cost of replacing your roof in Georgia depends on several factors, such as age and type of damage sustained. It is important to understand what coverage you have so that you can make an informed decision about how to proceed.

As your independent insurance agent, we help you with that. 

Whether you need car insurance, homeowners insurance, life insurance, or any other type of coverage, we want to help you find the best coverage at the best value. 

Contact us today to schedule a consultation and find out how we can help protect what matters most to you.

We always shoot straight at Arrow!

Zaheed Hussain 

Co-Owner/Licensed Agent 
Our aim is to hit the bullseye every time when it comes to providing our clients with the best insurance coverage available at the best value

​​Phone: (770) 692-7500
Email: [email protected]