2 Layer Roof Insurance

Those that don t typically don t for two reasons.

2 layer roof insurance. The roof over your head is one of the most important features of your home that s why having the right insurance protection is a must. If a tropical storm hail hurricane or heavy tornado season are forecast have your roof inspected. If it needs to be replaced the insurance policy will only cover the replacement of the top layer. And there are roof related discounts out there but you have to check with your insurance company they all offer their own discounts at different amounts.

So let s say we have a hail storm and the roof takes a beating. One of the cheapest roofing options is re covering. They calculate a roof s age from the bottom layer of shingles. We ll explain a few potential discounts material hail impact resistant or metal roof.

Every home insurance company which writes policies in north texas can tell you the average cost to replace a roof that s been damaged by hail. Its condition should be documented. Also most insurers won t insure a roof with more than two layers of roofing material. 2 ho 2 refers to homeowners insurance that provides protection over the dwelling and other structures whether attached or detached and personal property in the home against 16 named perils.

This article compares total roof replacements with roof re covering adding a 2nd layer of asphalt shingles pro s and con s and how insurance companies treat these options. Ho 2 is also referred to as a broad form because it offers more coverage than ho 1. At american family insurance your homeowners insurance helps cover damage to your roof with the option to add further protection. If your roof is damaged take a set of after photos to document the damage and submit it to your insurance company.

Some insurance companies will offer a discount for an impact resistant roof. If your roof is more than 10 years old you may want to hire a roof inspector who can check for any damage and areas that need repair. Some home insurance companies will write a multiple layer or overlay roof although many will not. When a major storm is coming document the roof s condition before and after.

Take photos of your roof so you have them on file in case of any damage. Is roof damage covered by my homeowners insurance. In some cases homeowners insurance will cover only roof repairs but not a complete replacement.