You aren’t alone if you just bought a new home and found yourself with an old roof and no homeowners insurance. In recent years, fewer insurance companies offer homeowners policies for newly purchased homes in need of roof replacements. If this applies to you — or if you’re still in the process of looking for a new home — keep reading to find out whether you need to replace the roof to gain homeowners coverage.
How do you navigate the home-buying process and ensure you’ll receive coverage? What happens when you buy a home and suddenly can’t acquire insurance? ProCover Exteriors is here to help.
What to Know Before You Buy a Home
A roof inspection is part of a standard home inspection. A home inspector assesses the condition of the roof and home at large. A professional, reputable roofing contractor, however, will give you a deeper insight into the actual condition of the roof. Not only do expert roofers know how often a roof should be replaced, but they will also be able to tell you if you need to replace the roof on the house you’re buying, or if you can skip a replacement altogether in favor of a qualifying repair.
- A professional roofing contractor knows roofs better than anyone. A skilled specialist will always have more experience in a specific field than a general inspector. With years of experience building, replacing, and inspecting roofs, a roof replacement company will more accurately determine the age and extent of damage, if any, to the roof of your prospective home.
- Leaks are misleading. Often, leaks can be the result of damaged flashing. This issue may not require a total roof replacement. Repairing the flashing, rather than replacing the roof, may remedy the problem successfully.
- Cosmetic damage and structural damage are two different things. Cosmetic issues, like faded or missing shingles, can be repaired easily (and quickly!). And these won’t require you to replace the roof. If there is considerable damage to the flashing, decking, or vents, the need for roof replacement services grows. A reputable roofing contractor, like ProCover Exteriors, can determine the difference and work with your insurance company to ensure the roof meets coverage qualifications.
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What to Know After You Buy a Home
If you’ve already closed on a home and haven’t been able to get homeowners coverage, don’t worry! A reliable roof replacement company will get the exact repairs or replacement you need, on your budget, and within insurance coverage requirements. How much a roof replacement should cost will vary, but it’s important to have a capable guide who will help minimize the dent to your wallet.
- The whole roof may not need to be replaced. As long as the integrity of the roof remains intact, it is very possible to repair a damaged roof rather than replace it. An experienced roofing contractor will help determine if the repair satisfies insurance requirements.
- A certified roofing contractor knows how to work with insurance companies. A professional roofing contractor, like ProCover Exteriors, has the experience to navigate the red tape of insurance coverage requirements and provide a roof replacement that insurance companies will approve. Your roofer will replace the roof so that you can receive proper homeowners coverage in no time.
- Dwelling coverage may cover you in the interim. Dwelling policies, unlike homeowners insurance, provide limited coverage to the property only. This coverage, however, can be used as temporary coverage to insure a home in North Carolina that doesn’t qualify for homeowners coverage.
Replace the Roof on Your New Home with ProCover Exteriors
Whether you just started shopping for a new home, are deep in the inspection process, or already let the ink dry on your new mortgage, it’s not too late to get your roof up to code and properly insured. ProCover Exteriors offers in-house financing and payment plans to work with homes of all sizes and needs.
Plus, we have the experience to get the job done right. Our GAF-certified team has gained 150+ 5-star ratings on Google by helping local homeowners like you. Don’t let a damaged roof leave you vulnerable; call ProCover Exteriors today. We’ll provide you with the peace of mind you deserve.
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