2 Layer Roof Insurance

If a tropical storm hail hurricane or heavy tornado season are forecast have your roof inspected.

2 layer roof insurance.

When a major storm is coming document the roof s condition before and after. Before and after pictures are the best evidence when making roof insurance claims. This article compares total roof replacements with roof re covering adding a 2nd layer of asphalt shingles pro s and con s and how insurance companies treat these options. Ho 2 is also referred to as a broad form because it offers more coverage than ho 1.

Some home insurance companies will write a multiple layer or overlay roof although many will not. Also most insurers won t insure a roof with more than two layers of roofing material. If it needs to be replaced the insurance policy will only cover the replacement of the top layer. Take photos of your roof so you have them on file in case of any damage.

If the roof has multiple layers typically the insurance company will only insure the top layer. Those that don t typically don t for two reasons. And there are roof related discounts out there but you have to check with your insurance company they all offer their own discounts at different amounts. So let s say we have a hail storm and the roof takes a beating.

If your roof is more than 10 years old you may want to hire a roof inspector who can check for any damage and areas that need repair. The roof over your head is one of the most important features of your home that s why having the right insurance protection is a must. Adding a 2nd layer of shingles also known as a roof overlay. If your roof is damaged take a set of after photos to document the damage and submit it to your insurance company.

Every home insurance company which writes policies in north texas can tell you the average cost to replace a roof that s been damaged by hail. We ll explain a few potential discounts material hail impact resistant or metal roof. Some insurance companies will offer a discount for an impact resistant roof. They calculate a roof s age from the bottom layer of shingles.

2 ho 2 refers to homeowners insurance that provides protection over the dwelling and other structures whether attached or detached and personal property in the home against 16 named perils. Is roof damage covered by my homeowners insurance. In some cases homeowners insurance will cover only roof repairs but not a complete replacement.