Storm damage led to a new roof for this Urbana homeowner, but the project also showed why it’s important to understand what your insurance policy actually covers.

After spring wind and storm damage, the insurance company approved a roof replacement. Roofs By Warren removed the damaged roofing and installed new 3-dimensional shingles in Moire Black.

During the project, wood also needed to be replaced. However, this homeowner’s policy did not include code upgrade coverage or recoverable depreciation, which meant some of the additional costs were the homeowner’s responsibility.

Insurance policies can vary significantly, and knowing the details before storm damage happens can prevent surprises during a roof replacement. We encourage homeowners to ask their insurance agent specifically about code upgrades and recoverable depreciation.

If your home has storm damage, contact Roofs By Warren for a roof inspection. We’ll document what we find and help you understand how the needed roofing work relates to your insurance claim.