Farmers Insurance Roof Replacement Policy (Coverage + Cost)

Farmers Insurance Roof Replacement Policy

Do you know what Farmers Home Insurance roof replacement policy is? Well, you are at the perfect place to find the answer to such a question.

Roof damage is one of the most disruptive and problematic issues that any homeowner can face, so you want to know that your insurance company has your back. With that in mind, what is the Farmers Insurance roof replacement policy?

Farmers Insurance does cover roof repair and replacement, but the specifics will depend on your home insurance package. Different plans offer different limits and deductibles, so you need to make sure that you have considered the value of your roof carefully.

Read ahead in this article to find out all about the Farmers Insurance roof replacement policy, and what options you have if you need to make a claim.

Does Farmers Insurance Have a Single Roof Replacement Policy?

There is rarely a one-size-fits-all when it comes to home insurance, and Farmers Insurance is no different. They don’t have a specific policy for roofing, but some degree of repair or replacement is covered with their standard homeowner’s insurance.

Although Farmers Insurance will cover a lot of the different causes of roof replacement or repair, there are also exceptions that they won’t be able to help you with.

Part of the difficulty with determining exactly how much coverage you get is that it does depend on the plan and package that you opt for.

Read also >> Does American Home Shield Cover Roof Replacement (Leak Repair)

What Homeowners Plans Does Farmers Insurance Offer?

If you think you might end up filing a claim for significant roof repairs, or a full roof replacement, then it would definitely be worth looking at the limits and deductibles that each package from Farmers Insurance comes with.

They have three packages for their Farmers Smart Plan Home policy:

  • Standard: Designed for affordability and aimed at those who are just getting onto the property ladder, the Standard plan gives you the flexibility to choose higher limits for specific valuable items.
  • Enhanced: The Enhanced package includes higher policy limits and extra features. On this plan, they will cover the costs of a roof replacement without deducting depreciation.
  • Premier: The Premier package has their highest limits and personal property coverage. With this plan, you can also get Guaranteed Replacement Cost coverage, with means that you will always get full reimbursement for rebuilding, no matter what your policy limit is.

Within each package, there is a lot of customization that will cater to your specific needs. Your homeowners’ policy will end up being unique to you and your property, so you might have slightly different coverage from the standard plan.

Read also >> Allstate Roof Replacement Policy (Coverage + More)

How Do I Choose the Right Policy for Roof Replacement?

If roof replacement or repair is one of your priorities, there are a few things that you should definitely keep in mind when looking at different packages. Before you get a quote, you should:

  • Estimate the value of your roof: This should include unique features, expensive materials, or any upgrades you have made.
  • Investigate contractors in your area: The cost of labor and even materials will vary depending on where you are in the country, so you want to talk to some reliable contractors to see how much repairs or replacements might cost.
  • Estimate additional living expenses: You may need to live elsewhere while repairs or rebuilding works are taking place, so this is an important expense to consider.

Once you have a rough estimate of what a replacement might cost overall, you can consider whether you need the extra features of the Premier Package from Farmers Insurance, which can come with Guaranteed Replacement Cost coverage.

Read also >> Amica Roof Replacement Policy (What’s Covered + Time Frames)

What Deductibles Does Farmers Insurance Offer?

There are different deductibles for different policies when you’re looking at Farmers Insurance. Every time you make a claim, you will be responsible for the deductible amount that you have chosen when you put your policy into place.

You can choose between three kinds of deductibles:

  • Flat deductible: a specific or fixed dollar amount
  • Percent deductible: a percentage based on the overall coverage
  • Split deductible: a different deductible in place for different claims

When it comes to roof repair or replacement, you might want to get a split deductible that offers you a percent deductible for losses due to hail or wind, but a flat deductible for other causes.

Generally speaking, the higher the deductible that you’re willing to pay out each time, the lower the cost of your premium will be. When you set up your policy, a Farmers agent can review the different options that you have.

What Does Farmers Insurance Roof Replacement Cover?

Many of the most common causes of roof damage are automatically covered by a Farmers Insurance policy, but there may be limits depending on the amount of insurance that you choose.

With Farmers Insurance, you are generally covered for roof damage caused by:

  • Fire
  • Lightning
  • Tornadoes
  • Wind storms
  • Hail
  • Explosions
  • Smoke
  • Vandalism
  • Theft
  • Accidental discharge from a plumbing system

When Are You Not Covered for Roof Replacement with Farmers Insurance?

Not every cause of loss is covered under a standard Farmers Insurance policy. You probably wouldn’t be able to make a claim for roof replacement if the damage was caused by:

  • Water
  • Wear and tear
  • Corrosion, deterioration, decay, or rust
  • Contamination
  • Neglect or failure to make repairs
  • Fungi
  • Government action
  • Power failure
  • Animals
  • War
  • Earth movement (earthquake damage)
  • Costs related to building ordinances or laws

For some of these things, like earthquake damage, you can get separate coverage through Farmers Insurance.

Additionally, some exclusions are specific to individual states, so you will need to talk to a Farmers agent to know exactly what you are not covered for.

What Should You Do If You Need to Make a Claim for Roof Replacement?

It’s no secret that insurance policies can be tricky to navigate, so what should you do if your roof does get damaged? Firstly, you should try to protect the rest of your home from further losses.

Get in touch with a roofer so that they can make an accurate assessment and help you to employ any possible mitigation measures.

You might only be hiring someone to put some plastic sheeting up, but it can stop you from incurring more costs later on.

If you don’t stop further damage from occurring, then you might not be covered for it.

Of course, you should only try to provide your home with extra protection if it is completely safe for you to do so.

Is There A Time Limit On Roof Replacement Claims?

As long as you are still covered by your policy, there is no strict time limit on when you can make a roof replacement claim, but it’s still wise to get it done as soon as possible.

The longer you wait, the more likely you are to lose coverage. You are responsible for making repairs when they are needed and if you don’t, then you might not be able to make a claim.

Remember, you aren’t covered for damage caused by neglect or a failure to make repairs.

How Do You File A Roof Claim With Farmers Insurance?

Once you know that you’ve done all you can to protect your home from any more damage, then you simply need to get in touch.

There are three easy ways to do that:

  • Call your representative directly
  • Call 24/7 at 1-800-435-7764
  • File the claim online
  • Contact your Farmers agent

It’s often best to get on the phone with an agent as soon as possible so that they can walk you through your next steps and start the process of getting your roof replaced straight away.


So, what is the roof replacement policy that you get with Farmers Insurance? Well, a lot of it will depend on the specifics of the insurance policy that you put in place.

There are a lot of options for the limits and deductibles that you might have, so you need to carefully consider the value of your roof, and the cost of a replacement, before you choose a policy.

You are generally covered for most of the common causes of roof damage with Farmers Insurance, but you would need specific coverage for some losses, like those caused by earthquake damage or costs related to building ordinances or laws.


Mike Gilmour

Hi, I'm Mike, co-founder, and editor of RV and Playa. My passion is traveling (with my RV) and enjoying the day at the beach (Playa)! Well, I originally created this blog as a way to share what I've learned by experimenting with the RV lifestyle, and I want to help others develop in life through new skills and opportunities.

Recent Posts

error: Content is protected !!