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Insurance Roof Replacement Questions

Updated: May 18, 2023

At A&M Roofing, your premier Northern Virginia roof replacement contractor, we are committed to providing the best roofing services to our community.


A&M Roofing crew during a roof shingles installation in Northern Virginia

In this post, we'll address some common questions about roof replacement and insurance.

Will Making an Insurance Claim Increase My Premium?


In most cases, your premium won't increase if the claim is not a result of negligence on your part. Insurance companies typically understand that roof damage can occur due to unavoidable circumstances.

What Do Inspectors Look for When Assessing Roof Damage?


During an insurance inspection in Northern Virginia, inspectors will look for noticeable signs of damage, such as bruised or missing shingles. They aim to assess the extent of the damage to determine the coverage you are eligible for.

Do I Need Multiple Estimates for Insurance Claims?


If you are working with a trusted, licensed, and insured roofing company like us, you usually won't need multiple estimates to file an insurance claim. However, if you are still exploring options and haven't chosen a reliable company, it can be beneficial to compare estimates.

What Are the Types of Residential Insurance Policies Available?


There are two primary types of insurance policies for residential homes:

  • Actual Cash Value Policy: Under this policy, your roof's value depreciates over a specified period, usually around ten years.

  • Replacement Cost Policy: This policy covers the cost of replacing your roof, with the deductible subtracted from the total price.

Can Insurance Withhold Depreciation?


Insurance companies may withhold depreciation to prevent fraudulent claims. This practice ensures that you receive compensation based on the actual condition and value of your roof.

What Should I Do if the Insurance Doesn't Cover the Roofer’s Estimate?


Reputable companies for roof replacement in Northern Virginia, like ours, can review your insurance quote and identify any missing items or discrepancies. If we find an error, we can work with your adjuster to address and resolve the issue.

Still Have Questions? We're Here to Help!


A&M Roofing is proud to be a certified Owens Corning PLATINUM Preferred Contractor, the top tier of Owens Corning's exclusive network, meeting strict standards for professionalism, reliability, and unparalleled craftsmanship, which allows us to offer a higher level of extended warranties.


Our team of skilled professionals is ready to assist you with any additional questions you may have about insurance or discuss the details of your project. Contact us today to learn more about our services and request a free estimate!


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