What is the State Farm Roof Replacement Policy?

What is the State Farm Roof Replacement Policy

If you have State Farm’s Homeowners policy then it will include the State Farm roof replacement coverage. Replacing a roof is very expensive so if you have State Farm’s Homeowners policy then you will be able to save lots of money. If you want to know more about State Farm roof replacement policy then you will find the below information very helpful. Let’s explore!

State Farm Roof Replacement Claim

State Farm Roof Replacement Claim

If there is any damage to the roof of your house because of the Hail storm then you can claim a roof replacement at State Farm. State Farm will work with you throughout the claim process. When you apply for the roof replacement claim, a State Farm claim handler will assist you. Here the claim handler will explain to you the differences between normal damages and damages because of a hail storm. Damages that include the roof replacement coverage are – 

  • Random damage
  • Impact marks
  • On wood roofs, etc.

The claim handler will first assess the damage and find out the reasons for the damage. Then he/she will see if the damage or the reason for the damage qualifies as a State Farm roof replacement claim. After that claim handler will tell you what to do.   

How to File a Roof Replacement Claim with State Farm?

How to File a Roof Replacement Claim with State Farm

There are many ways you can file a Roof replacement claim. You can file a roof replacement claim – 

  • File Online
  • Use the State Farm mobile app
  • Contact your State Farm agent
  • Call 800-SF-CLAIM (800-732-5246 ) 24/7 

If you are wondering how to file a roof replacement claim with State Farm then follow the below steps – 

  • First contact State Farm; you can file a claim online via the website or mobile app, 
  • Create documentation of the incident and include the related damages with photos or videos or both
  • If you need quick repairs then keep receipt of all repair works
  • Finally submit the claim with all required documents and receipts
  • State Farm will review your claim and contact you for further details
  • You can easily keep track of your insurance claim status online, in the app, or by contacting your agent

Steps to File a State Farm Roof Replacement Claim via Website

  • First, open a browser on your computer
  • Now visit State Farm’s official website
  • Next login to your State farm account using the username and password
  • Now click on the profile image on the top right corner of the website
  • A dropdown menu will appear, choose “File a Claim” from the available option
  • After that select “Home, Boat, & Property” if you want to file a roof replacement claim
  • Next, provide the below information:
    • Date and time of the incident
    • Property involved
    • Location of incident
    • Policyholder’s contact information
    • Cause of damage
    • Injury details (if any)
  • After that click on the “Claim” button and you successfully submit the claim
  • A State Farm claim handler will review your claim and let you know the result of the claim

Steps to File a State Farm Roof Replacement Claim via App

  • First, download and install the State Farm app on your mobile
  • Now login to your State Farm account using the username and password
  • After that click on the Menu tab and from the available options select “File a Claim” 
  • Next, select “Home, Boat, & Property” if you want to file a roof replacement claim
  • Then provide the below information:
    • Date and time of the incident
    • Property involved
    • Location of incident
    • Policyholder’s contact information
    • Cause of damage
    • Injury details (if any)
  • After that click on the “Claim” button and you successfully submit the claim
  • A State Farm claim handler will review your claim and let you know the result of the claim

What Information the Roof Repair Estimate should Include?

A roof repair estimate must include the below information – 

  • Quantity of all the required materials like vents, flashing, etc.
  • Total labor cost
  • Work specifications
  • Approximate time to finish the job
  • Payment method
  • Building permits
  • Warranty details, etc.

What Type of Roofing Materials are required for Roof Replacement?

While replacing a roof you have to choose roofing materials that will suit your budget as well as best match your home’s style. Below is a list of roofing materials that you can use while replacing your roof – 

  • Asphalt: It has a life span of 20 to 25 years; moreover, it is the least expensive material you can find to replace your roof. Another key advantage of Asphalt is, that you can use them with a variety of home styles. It is the most used material and easy to install. Also, Asphalt has lots of color options and they are widely available.
  • Slate: Slate has a life span of 50 to 100 years and it will cost you more money than Asphalt. Moreover, Slate is very rare and you won’t find it easily. If your house is more of a colonial, European, or French-style home then you can use Slate.
  • Wood: Roofs made of wood can last 25 to 30 years. This type of material is less expensive and natural.
  • Synthetic: Roofs made of synthetic can last 50 years. The color range for synthetic material is very limited compared to Asphalt.
  • Clay or concrete: You can also use clay or concrete on your roof. This type of material has a lifespan of 40 to 50 years. If your home or building has Mediterranean, mission, southwestern or Spanish style then you can use this type of material.
  • Metal: Metal roofs can last for 40 to 75 years and they are an excellent option for roofs because they require minimal maintenance. You can use steel, aluminum, copper, zinc, and tin. There are lots of color options available for metal like green, blue, red, etc.

Read more: What is The Average Salary of a State Farm Agent?

Signs Your Roof Require Replacement

Signs Your Roof Require Replacement

There are lots of signs that indicate your roof requires a replacement. Let’s check them out below!

  • Check the valleys of your house for damaged or deteriorated materials
  • Check if any shingles are missing, curling, cupping, broken, or cracked
  • Check if there are any dark stains, streaks, or blue-green algae developed on your roof
  • Check if water is pooling on low-pitched roofs
  • Look for dark stains on rafters, if you see any then it means there are leaks in the attic
  • Look for mold on the underside of the roof decking, if there is any problem with the ventilation then this type of problem can happen
  • If there is any consistent, long-term leaking then there might be sagging between the rafters than it’s an indication that your roof needs replacement

FAQs about What is the State Farm Roof Replacement Policy

How much does a State Farm roof depreciate each year?

Usually, for State Farm, the roof depreciates in value by 5% every year. When the State Farm claim handler examines the roof, he/she will consider the condition of the roof as well as its age. If the condition of the roof is decent then there won’t be any adjustment for the condition.

How does State Farm handle roof claims?

If you made a roof claim then State Farm will send someone to assess the damage to the roof. Moreover, he/she will determine whether the roof requires only repair or total replacement. Here, the appraiser determines what will cost less: repair or replacement. Then the appraiser gives his final decision and cut a supplemental check for a replacement!

Does State Farm cover roof replacement?

If you have State Farm Homeowners policy and if it includes replacement coverage then State Farm will cover roof replacement. Including the replacement, coverage will cost you some extra money but if you get severe hailstorms in your area then replacement coverage is totally worth it.

Does State Farm send a check for claims?

If State Farm approve your claim then they might direct-deposit money into your account or send you a check, whichever is suitable for you. Moreover, if you ask, then State farm can pay the shop for you!

References:

https://www.forbes.com/advisor/homeowners-insurance/roof-damage/
https://casetext.com/case/winner-v-state-farm-insurance-companies

Last Updated on August 7, 2022 by Ana S. Sutterfield

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