I have a leak in my roof that has went through to one of my bedrooms. my insurance co gave me enough money to?

Question

i have a leak in my roof that has went all the way through the ceiling and now i have water damage in one of the bedrooms. my insurance company only gave me enough money to do a layover on my roof. i was informed that if one shingles comes off the roof and if there's a leak all the way through that the insurance co has to replace the entire roof. is there any truth to that? my homeowners insurance co is country financial or country mutual insurance co. thanks!

Answer 1

it would depend on the age of the roof. if it is fairly new then no. also if its beyond its age limit then no.

Answer 2

You wrote: "...i was informed that if one shingles ..."

Who informed you of this?

If you look at your insurance policy, it will spell out specifically what the insurance company will and will not cover.

You might do well to speak with an insurance agent rather than take some casual comment as the gospel.

Answer 3

You have been given incorrect information. If you feel that your insurer isn't offering enough, then go to a public adjuster. Sometimes, you do much better if you hire a professional. Don't settle for the amount the insurer has offered, until you get an opinion from an adjuster. And, get several estimates of the repair work that needs to be done.

Answer 4

No. They do not have to replace an entire roof just because one shingle is missing.  At best, they would replace only that slope.

Insurance companies replace the entire roof when the entire roof is damaged.  This does not mean every single shingle - but rather that there is damage on across all slopes of the roof.

You don't replace 20 squares of shingles - just because a shingle broke off.

Usually when I inspect a roof - that has only 1 or 2 shingles missing - I can find other damage on the roof that will let me replace the whole thing (ex: wind blew off 1 shingle but the entire roof has hail damage- so I pay to replace the entire roof because of the hail damage - not because of the wind damaged one shingle). In a situation like this - I don't split hairs with the home owner- just tell them that I found a way to replace the entire roof.

Now - I have looked at some roofs that were newer and did not have any damage other than that 1 shingle. So, I paid a minimum charge for for a roofer to come out and replace the damaged shingle.

Answer 5

even in Florida, the insurance company only has to replace the whole roof if 25% or more of it is damaged.

as long as another layer of shingles is acceptable under the building code in your area, that you're getting an entire roof instead of just one face is a huge bonus.