When your roof suffers damage from a storm, falling debris, or other unexpected events, one of the biggest questions that arises is whether your insurance policy will cover a repair or a full replacement. The answer isn’t always straightforward. It depends on the type of damage, the age of your roof, and the specific terms of your homeowners insurance policy.
For homeowners in Keller, TX, where hailstorms and high winds are all too common, understanding your coverage and working with a trusted local contractor can make the difference between a quick fix and a comprehensive roofing solution.
Understanding How Insurance Companies Decide
Insurance providers look at several factors to determine whether they will pay for a roof repair or a full replacement:
- Extent of the damage: If the damage is localized and minor, insurance will typically only cover repairs. However, if large areas are compromised or the integrity of the roof system is affected, they may authorize a full replacement.
- Age of the roof: Roofs that are near or past their expected lifespan may be subject to depreciation or denied full coverage. For example, a 20-year-old asphalt shingle roof may only receive partial coverage based on its current value, not the cost to replace it.
- Cause of the damage: Most insurance policies cover “sudden and accidental” damage from covered perils like hail, wind, fire, or falling objects. Damage from neglect, lack of maintenance, or general wear and tear typically isn’t covered.
Signs That May Qualify for Full Replacement
If your roof shows signs of widespread damage, your insurance adjuster may approve a full replacement. Common indicators include:
- Shingles missing across multiple slopes
- Damage that compromises the structural decking
- Water infiltration in several rooms or large ceiling areas
- Significant granule loss exposing the underlayer
- Mat fractures or soft spots from hail impact
In storm-prone areas like Keller, it’s not uncommon for entire neighborhoods to experience widespread damage, making full replacement a likely outcome after a major weather event.
Why an Inspection Is Critical
After any suspected roof damage, the first step should be calling a licensed roofing contractor. An experienced professional can inspect your roof, document the condition, and provide a clear report on whether a repair or replacement is needed.
KangaRoof, proudly serving Keller, TX, offers detailed roof inspections backed by certifications like Owens Corning Preferred Contractor and CertainTeed Master Shingle Applicator. Their trained team knows how to identify hidden issues insurance adjusters might miss—and they’ll meet with the adjuster to advocate on your behalf.
Don’t Rely Solely on the Adjuster’s Word
Insurance adjusters are not roofing professionals. While many are experienced, they may overlook subtler damage like lifted shingles, fractured shingle mats, or compromised underlayment. That’s why having a contractor present during the adjuster’s inspection is essential. Your contractor can help ensure all damage is properly assessed and included in the claim.
If the adjuster recommends a simple patch job when your roof truly needs replacement, your contractor can file a supplement with photographic evidence and a revised estimate. This extra step often results in higher claim approval and better long-term solutions.
Know the Language: ACV vs. RCV Policies
Understanding your policy type helps you prepare for your financial responsibility. There are two main types of roof coverage:
- Actual Cash Value (ACV): Covers the depreciated value of your roof. If your 20-year-old roof is halfway through its lifespan, your insurance might only pay 50% of the replacement cost.
- Replacement Cost Value (RCV): Pays the full cost to replace the roof with similar materials, minus your deductible. Most modern policies use RCV, but it’s worth checking your terms.
RCV policies may issue two payments: one upfront based on the ACV, and a second after the work is completed and an invoice is submitted.
Repairs Are Not Always the Cheaper Option
It’s tempting to accept a quick repair instead of going through the process of full replacement, especially if the initial damage seems minor. But in many cases, repairs end up being short-term solutions. New shingles may not match the existing ones, and patchwork can lead to leaks down the road.
A proper replacement ensures uniform performance, better curb appeal, and a fresh manufacturer warranty—especially when using high-performance products from Owens Corning or CertainTeed. Your roofer can help you weigh long-term value versus short-term savings.
Your Role in the Process
As a homeowner, your job is to:
- Document all visible damage immediately after the incident
- Contact your insurance provider to begin the claims process
- Hire a trusted, local roofing contractor to assess the roof and meet with your adjuster
- Avoid signing contracts with out-of-town “storm chasers” or companies that request full payment upfront
By staying involved and working closely with your contractor, you’ll increase the likelihood of a fair settlement that fully addresses your roofing needs.
Read also our blog: Partnering with Roofing Contractors on Insurance Repairs