how to get insurance to pay for roof decking

Daniel Parker

2 min read

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06-02-2025

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How to Get Insurance to Pay for Roof Decking

Getting your insurance company to cover roof decking replacement can be tricky. This comprehensive guide breaks down the process, helping you navigate the complexities and maximize your chances of successful claim approval. Understanding your policy, documenting damage, and communicating effectively are key.

Understanding Your Coverage

Before you even begin the claims process, you need to thoroughly understand your homeowner's insurance policy. Specifically, look for sections related to:

• Perils Covered: Your policy will list the specific events (wind, hail, fire, etc.) it covers. If the damage to your roof decking is due to an uncovered peril (like normal wear and tear), your claim is less likely to be successful.

• Deductible: Know your deductible amount. This is the amount you'll have to pay out-of-pocket before your insurance kicks in.

• Coverage Limits: Check the limits on your dwelling coverage. This determines the maximum amount your insurance will pay for repairs.

Documenting the Damage

Thorough documentation is crucial for a successful claim. Follow these steps:

• Take Photos and Videos: Capture extensive visual evidence of the damaged decking. Include close-ups of the damage and wider shots showing the overall condition of your roof.

• Detailed Report: Create a detailed written report of the damage. Include dates, times, and a description of how the damage occurred.

• Contact a Qualified Contractor: Obtain a written estimate from a reputable roofing contractor detailing the necessary repairs, including the replacement of the roof decking. This professional assessment adds significant weight to your claim.

Filing Your Claim

When filing your claim, be clear, concise, and provide all necessary documentation.

• Contact Your Insurance Company: Immediately report the damage to your insurance company. Provide them with the relevant information, including photos, videos, and the contractor's estimate.

• Cooperate Fully: Respond promptly to any requests for information or inspections from your insurance adjuster. Be respectful and professional throughout the process.

• Negotiate If Necessary: If your insurance company denies your claim or offers a settlement you feel is inadequate, don't be afraid to negotiate. You might need to present additional evidence or consult with a public adjuster.

Situations Where Roof Decking Might Be Covered

Insurance companies are most likely to cover roof decking replacement when the damage is due to a covered peril such as:

• Severe Wind Damage: Strong winds can lift shingles, causing damage to the underlying decking.

• Hail Damage: Hailstones can dent and crack decking, leading to significant structural issues.

• Tree Damage: A falling tree or branch can crush your roof, requiring extensive repairs.

• Fire Damage: Fire damage will obviously necessitate replacement.

When Roof Decking Isn't Covered

Keep in mind that insurance typically won't cover:

• Normal Wear and Tear: Gradual deterioration over time is not typically a covered event.

• Improper Installation: If the damage is due to faulty installation, your claim may be denied.

• Lack of Maintenance: Failure to maintain your roof may affect your claim.

Tips for a Smooth Process:

• Keep Good Records: Maintain detailed records of all communications, documents, and payments related to your claim.
• Understand Your Policy: Familiarize yourself with your policy's terms and conditions before filing a claim.
• Choose a Reputable Contractor: Selecting a trustworthy and experienced contractor is essential for a successful outcome. Consider getting multiple quotes for comparison.
• Consider Professional Help: If you're struggling to navigate the claims process, consider hiring a public adjuster who specializes in helping homeowners with insurance claims.

Successfully navigating the process of getting your insurance to pay for roof decking replacement requires careful planning and clear communication. By following these steps, you can increase your chances of a favorable outcome and ensure your roof is repaired effectively. Remember, thorough documentation and a professional approach are key to a successful claim.