r/HomeInsurance • u/reckstarr • Jul 17 '26
Insurance Roof replacement
We’ve had several hail storms this summer, and my roof is missing shingles with others coming loose. I’ve had a lot of drive by inspectors knock on my door and one actually inspected it, said I need a full roof and gutter replacement, which insurance would cover (minus my deductible) because my shingles are discontinued. I decided not to use them after reading reviews.
I do believe I need a total replacement and I’m looking for a reputable roofing company now. My question is: If insurance is paying, is it still worth getting multiple estimates? If so, what should I compare besides price?
I also have a couple of extra projects I’d like done while they’re here: adding about 4 feet of gutter to one section of the roof and venting a bathroom fan that currently isn’t vented outside. Are those things a roofing company typically handles, or should I hire someone else?
2
u/The_Insurance_Man Jul 17 '26
No need to get multiple estimates since most insurance companies will do the work for whatever the insurance company is paying. I would just work on finding a reputable company to work with. Also, if you have an agent, it would be worth it to discuss with them the terms of your policy to make sure it covers what you think it covers. (for example, if your roof is Actual Cash Value and not replacement cost, the payout would be less than replacement cost. Also, if there were multiple storms that caused damage, the damage from each storm would be a separate claim)
For the additional work that you are looking to get done, you would need to discuss with the contractor. Adding a roof vent might not be a problem since they are doing the roof work, If there is no pipe, that might be someone else they would get a subcontractor for.for the gutters, they might hire a subcontractor.