2 Layer Roof Insurance

When a major storm is coming document the roof s condition before and after.

2 layer roof insurance.

So let s say we have a hail storm and the roof takes a beating. Take photos of your roof so you have them on file in case of any damage. 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 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.

Before and after pictures are the best evidence when making roof insurance claims. 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. We ll explain a few potential discounts material hail impact resistant or metal roof.

Also most insurers won t insure a roof with more than two layers of roofing material. In some cases homeowners insurance will cover only roof repairs but not a complete replacement. They calculate a roof s age from the bottom layer of shingles. Those that don t typically don t for two reasons.

Adding a 2nd layer of shingles also known as a roof overlay. 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. If your roof is damaged take a set of after photos to document the damage and submit it to your insurance company. If it needs to be replaced the insurance policy will only cover the replacement of the top layer.

At american family insurance your homeowners insurance helps cover damage to your roof with the option to add further protection. One of the cheapest roofing options is re covering. Its condition should be documented. 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.

If the roof has multiple layers typically the insurance company will only insure the top layer. If a tropical storm hail hurricane or heavy tornado season are forecast have your roof inspected. 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.