2 Layer Roof Insurance

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.

2 layer roof insurance.

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. If a tropical storm hail hurricane or heavy tornado season are forecast have your roof inspected. One of the cheapest roofing options is re covering. Adding a 2nd layer of shingles also known as a roof overlay.

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. We ll explain a few potential discounts material hail impact resistant or metal roof. If it needs to be replaced the insurance policy will only cover the replacement of the top layer. Ho 2 is also referred to as a broad form because it offers more coverage than ho 1.

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. Is roof damage covered by my homeowners insurance. 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. Take photos of your roof so you have them on file in case of any damage.

In some cases homeowners insurance will cover only roof repairs but not a complete replacement. Some home insurance companies will write a multiple layer or overlay roof although many will not. Some insurance companies will offer a discount for an impact resistant roof. At american family insurance your homeowners insurance helps cover damage to your roof with the option to add further protection.

They calculate a roof s age from the bottom layer of shingles. Before and after pictures are the best evidence when making roof insurance claims. If the roof has multiple layers typically the insurance company will only insure the top layer. Its condition should be documented.

So let s say we have a hail storm and the roof takes a beating. If your roof is damaged take a set of after photos to document the damage and submit it to your insurance company. Those that don t typically don t for two reasons.