What is the average cost for a roof repair insurance claim?
Short answer. There is no single average, but many single area roof repairs, such as replacing a handful of shingles, a pipe boot or a short run of flashing, cost from a few hundred dollars to around $1,500, which is often less than a typical deductible. Repairs grow into several thousand dollars when decking, multiple slopes or interior damage are involved.
What drives a repair claim's cost
- Minimum charges. Insurance estimating software applies a minimum charge for small roofing jobs, because a crew still has to mobilize for three shingles.
- Pitch and height. Steep or second story roofs add safety equipment and labor.
- Matching. If the shingle is discontinued, a small repair can turn into a slope replacement.
- Decking. A tree impact that breaks plywood adds sheet replacement.
- Interior damage. Drywall, insulation, paint and sometimes flooring can cost more than the roof repair.
How the payment is calculated
The insurer writes an estimate for the repair, applies any depreciation, and subtracts your deductible. Hypothetical example: a $2,400 repair estimate with a $1,000 deductible pays $1,400. With a 2 percent wind and hail deductible on $300,000 of dwelling coverage, the deductible is $6,000 and the same claim pays nothing.
Should you file?
If the repair is clearly below your deductible, filing may only add a claim to your history. If interior damage is involved, or the roofer finds more damage than you can see, the total can easily exceed the deductible. Read does a roof claim raise premiums in Georgia and percentage deductibles, and use the Xactimate guide to read the estimate when it arrives.