In case you have to pay a high deductible for your roof insurance, it may be a good idea to actually pay for a new roof without using this insurance at all. This may be particularly true if you are living in an area where it is less likely for your roof to get damaged due to harsh weather events.
Roof insurance usually covers for replacement costs if your roof gets damaged, but only in case of unexpected acts of nature or accidents. Damages which are the result of the typical wear and tear processes are not covered by roof insurance. That is because such damages pertain to the maintenance which needs to be done by the homeowner himself.
Thus, most insurance do not reimburse the sums for replacing or fixing a roof which is gradually deteriorating. Roofs which are older than 20 years old, for instance, tend to have limited coverage.
At any rate, in order to ensure that your claim will get approved, you need to make sure that you keep records of any repairs, inspection reports and photos to attest the before and after state of your roof. With all these in mind and with the expert Shell Knob roofing companies to help, you will surely make the right decisions.