If you have an older roofing system and it will need to be repaired or replaced as a result of a natural disaster, know that you can upgrade your roofing system!
Here are a few question and answers regarding your roof and insurance claims!
Can I change my roof type after a storm using insurance money?
You are required to make the necessary repairs to your roof as described in the settlement agreement; either repair or replacement. If you would like to upgrade your roof to another roof system, it’s perfectly acceptable to use insurance money to do so as long as you pay for the deductible and upgrade, typically you will get a full roof replacement if there is enough significant damage. If there was a bad storm that hit, most likely there will be enough significant damage for a full replacement. In the event of a full roof yes you can pick what shingles and color choice for your new roof.
Can I add upgrades to my roof with the insurance money?
As long as you do what the insurance money provides for first, you can use the difference for upgrades. Just make sure you do what the insurance proceeds are intended for. If you are given funds to replace the roof, you must replace the roof. Don’t take the money and sell the house you could be prosecuted for insurance fraud.
Is it illegal for the roofer to cover my deductible?
As the insured you are required to pay the deductible.
It It Required I get my roof fixed?
No, but your insurance will help you so why not get it fixed