Homeowners seek a competent insurance policy to help compensate for damage to their roofs. This is because a roof replacement can cost up to $80,000, and that’s huge. However, the State Farm Roof Replacement policy is one of the most trusted and recoverable insurance plans, acclaimed by countless homeowners till now.
What is the State Farm Roof Replacement policy, by the way? This guide will introduce you to the insurance plan, its terms and conditions, coverage details, and more related to this roof replacement policy. Let’s get started.
What is the State Farm Roof Replacement Policy?
State Farm roof replacement coverage is a breeze of relief for homeowners. This insurance policy will likely cover the cost of your roof replacement if it has received any damage and the cause is mentioned under the terms and conditions. If you are interested in learning how the State Farm Roof Replacement policy works and how you can apply for it, continue reading.
However, you can expect the State Farm roof replacement policy to cover random damage to your roof. On the other hand, you can easily apply for the policy if your roof has suffered from a hailstorm or similar severe weather complications. A State Farm chain handler will help you throughout the process when you apply for a roof replacement claim.
In general, State Farm’s roof replacement policy covers the following types of scarring to a roof:
- Impact marks
- Random damage
- Wood roof scuffs and more
However, the claim handler will inspect how your roof got damaged and whether you are eligible for roof replacement coverage.
Remember, this policy is only applicable for externally inclined perils like
- Hailstorm
- Fire
- Lightning
- Heavy snow
- Rain
- Smoke
- Strong winds
- Ice
- Tornadoes and so on
So, you can’t apply for State Farm’s roof replacement policy if your roof has worn out with ageing over the years. In addition, State Farm won’t compensate for your roof if it lacks preventive maintenance. Moreover, any damage done by birds, pests, or any kind of animals is not included in the State Farm Roof Replacement policy.
How Can You Claim a Roof Replacement Policy from State Farm?
Fortunately, State Farm offers multiple ways to file a roof replacement policy. For instance, you can select any of the following methods below:
- Direct communication with your State Farm agent
- Online application
- Through State Farm’s mobile application
- Calling the helpline number
The reasoning behind the State Far Roof Replacement policy claim is quite simple. The easiest way is to contact your State Farm agent. Usually, a homeowner is supposed to file a complaint within 6 to 12 months after the hailstorm or disaster takes place. However, you can file a claim when you notice significant damage to your roof. Still, you should connect to the agent within 6 months of the incident.
Otherwise, State Farm might deny your claim as they look for scopes where they can turn you down. On the other hand, you can hire a roofing contractor if you want to cover up the recent damage to some extent if the condition is very severe. Yet, keep enough solid evidence so that you can convince State Farm to do a roof replacement.
For instance, you can keep some before and after photos. Additionally, save your temporary roof repair receipts in case you have repaired your roof after a hailstorm, lightning, or any other peril. Apart from getting in touch with an agent in person, you can raise a request for State Farm Roof Replacement Policy online.
Let’s check out how you can proceed with that:
How to Apply for State Farm’s Roof Replacement Coverage Online?
You can head to the official website of State Farm and register a claim for the roof replacement policy. Here’s what you need to do to file a State Farm Roof Replacement claim on the website:
- Utilise your dedicated username and password to log into your State Farm account. If you don’t have the required credentials, contact your State Farm agent.
- Once you can log into your account, click on your profile picture from the upper right corner of the screen.
- Next, select the ‘File a Claim’ option from the drop-down menu.
- Then, click ‘Home, Boat, & Property’ to claim a roof replacement policy.
- Now, the website will ask for the following details:
- Date and time of the accident
- Involved property
- Your location
- Contact information of the policyholder
- Reason of damage
- Injury whereabouts (if any)
- Afterwards, click the Claim button to submit your application.
Thereafter, a claim handler from State Farm will review your claim and then contact you.
Through State Farm Mobile Application
Now, you can use State Farm’s dedicated mobile application instead of the website to file a claim. So, follow the guidelines below to apply for a State Farm Roof Replacement policy claim via the mobile app:
- Install the mobile app of State Farm on your smartphone.
- Next, sign in to your State Farm account with the assigned username and password.
- Then, tap on Menu and choose ‘File a Claim’ from the available options.
- Afterwards, tap on ‘Home, Boat, & Property’ as you want to file a roof replacement claim.
- Now, you have to fill out the given form with the following information:
- The date and time of the accident
- Involved property
- Location of the accident
- Your or the concerned policyholder’s contact details
- The reason behind the damage
- Injury data (if any injury occurred)
Next, tap the Claim button to submit your claim. The rest of the process is the same as you followed for the State Farm Roof Replacement policy online claim. A State Farm claim handler will get in touch with you after reviewing your claim.
What to Expect Next?
State Farm has mentioned that not all houses are built equally. That’s why the insurer will evaluate every roof of your neighbourhood to determine whether you are truly eligible for a roof replacement. After all, getting a full roof replacement carried away by an insurer is not an easy task.
However, you can expect the following incidents in chronology after a State Farm Roof Replacement policy claim online:
- A State Farm claim handler will contact you for an initial inspection. They tend to visit the severely damaged properties first. So, you may have to wait longer if your roof damage is smaller compared to others.
- If the roof is in a bad condition, then State Farm may offer advance payments to cover up the expense. You must save those repair receipts if you have to get prior repairs.
- Then, a representative from State Farm will check the damage estimates.
- Once State Farm is convinced, it will initiate a payment for the actual cash value of the ruptured roof.
For your information, it’s better to keep an estimate ready to justify your roof replacement cost. Now, what should you include in your roof replacement estimate? Here are some noted data:
- Work details
- Total cost of labour
- Quantity of all the repair or replacement material such as flashing, vents, and so on
- Building permits
- Approximate timeline to complete the job
- Warranty information
- Payment method and more
When Should You Claim State Farm’s Roof Replacement Policy?
State Farm offers roof replacement cover for hailstorms, heavy rainfall, lightning, smoke, and similar conditions. However, you might miss signs of damage at first glance. Therefore, inspect your roof carefully after such an incident so that you can avail yourself of the State Farm claim.
- Inspect whether shingles are cracked, broken, or missing.
- Next, look for streaks, dark stains, or algae development on your roof and substantial damage from them.
- Check if there’s mould on the roof decking.
- A leak can be hazardous, as well.
- Additionally, examine whether the gutters and materials of your roof have deteriorated.
What Kind of Materials Should You Consider for Roof Replacement?
State Farm Roof Replacement policy claims can be helpful during difficult days. Ensure that you keep enough evidence to make claims easier. However, you can consider slate, asphalt, concrete, metal, wood, and synthetic materials for your roof replacement. Among them, synthetic, slate, and metal roofing materials will last the longest.