USAA Roof Replacement Policy (Coverage, Claims + More)

usaa roof replacement policy

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

When it comes to being a homeowner and having home insurance, the roof is a big consideration. Having an insurance policy that covers roof damage is important, as is knowing exactly what that policy covers and how to best handle it when you need repairs or replacements.

USAA policy generally covers the cost of repairs and even replacements to your roof, as long as the deductible is paid, and the damage is due to natural forces like storms, hail, or severe weather.

This article looks at the coverage you can expect from a USAA policy, along with all the ins and outs of making a claim.

What is USAA’s Official Roof Replacement Policy?

For USAA insurance holders, roof damage is covered under the Homeowner’s general insurance policy. For roofs, USAA insurance will cover at least part, if not all, of the costs for replacing or repairing a roof damaged by weather or outside forces.

USAA will not cover roof repairs or replacements for roofs that sustain damage due to regular wear and tear, or improper maintenance.

USAA reserves the right to refuse a claim if it is not covered under the policy you have.

The amount USAA pays in coverage will depend on:

  • Your Deductible: If your deductible has not been met, you may pay that amount, while USAA helps cover the rest
  • The age of the roof: A newer roof might receive better coverage than an older roof.
  • Whether or not there are depreciations involved: Older roofs may have a depreciation applied due to the lowering value.

For roof replacements specifically, USAA will base their coverage on the cost of installing a roof of similar design and materials.

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

What is Covered Under USAA Replacement Policy?

Straight Line Winds: Hard winds that are known to cause damage, usually 30+ mph

Hail: Hail severe enough to cause holes or leaks on impact

Snow Storms: Damage from the build-up of ice and snow

Severe Weather: Such as tornadoes and hurricanes

– Damage caused by falling objects during a storm, such as the impact of tree branches and other debris.

– Water damage as a result of severe weather

You can also get supplemental coverage for fire, windstorms, earthquakes, and flooding. This supplemental coverage can ensure there are no uncovered contingencies in your coverage.

You can also apply for coverage for damage due to molding if the mold is determined to be a byproduct of the above scenarios.

How Much Does the Roof Replacement Generally Cost?

Roof replacements vary in cost depending on the following factors:

– The square footage of the roof

– Materials being used

– Extent of the damage

– Amount of material needed to remove.

Costs usually fall between $5,000 and $11,000 including materials and labor costs.

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

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

Read also >> Farmers Insurance Roof Replacement Policy (Coverage + Cost)

What is the Procedure for Securing Roof Replacement Services?

If you need to have your roof repaired or replaced under USAA Policy, the process is relatively straightforward.

  1. Take pictures and record the details of what happened for the USAA Insurance Claim. You can file your paperwork and upload your pictures from a computer or a phone app, whichever works better.
  2. USAA Claims will investigate the incident, and the costs for repairs and replacements, including materials, time involved, and any depreciation involved.
  3. USAA will send you a payment for the replacement costs, minus the deductible.
  4. USAA will help you find a contractor to make the actual repairs if you don’t have one in mind.
  5. The contractor will do their own assessments and submit their own estimates.

In case of applied depreciation on your roof, USAA may send you a second payment after the repairs are made to cover the difference between the cash value of the roof and the actual cost of replacement.

You may also find out that more work is needed than the original assessment indicated.

If at any time you discover more work needs to be done, you can send a message to your adjustor. They will make the necessary changes and if needed, additional payments.

Is There Any Sort of Guarantee or Warranty Provided With Roof Replacement Services?

Guarantees and warranties depend on the contractor, rather than the Policy Provider. However, you can have USAA help you find a contractor from their Direct Repair Network.

Part of the USAA Roof Replacement/Repair policy includes additional guarantees and services when using their Direct Repair Network, including a 3 year workmanship warranty for any work done.

How we persuaded USAA to pay for an entire roof replacement >> Check out the video below:

Are There Types of Roofs or Roof Materials That Are Automatically Excluded from USAA Roof Replacement?

USAA does not specifically list any materials that are excluded from roof replacement. However, the replacement policy does not cover the cost if you take the opportunity for upgrades.

USAA’s Roof Replacement only covers the cost of replacing a roof with the same materials or materials of a similar or lesser cost.

Does USAA Replace Roofs on Rented Properties or Only Those Owned by the Applicant?

USAA Roof Replacement is part of Homeowners Insurance, not Renter’s Insurance. Typically, Renters Insurance only covers damage to possessions of the renter as a result of building damage, not damage to the structure.

If you are a renter and have concerns for your home, you may need to check what sort of Insurance and coverage your Landlord has, and then purchase your Renters Insurance to help protect your belongings in the face of disaster.

How long Does it Usually Take USAA to Replace a Roof?

The time it takes to replace a roof depends on a number of factors. These factors include:

– The amount of damage

– Availability of Contractors (a natural disaster usually means a longer wait)

– Your Availability to answer questions and allow assessors and contractors on your property.

There’s also the time needed to process the claim and review the damage assessments. This process usually takes about 7-10 business days, but it can take longer depending on the conditions they’re working under.

The coverage of USAA’s Roof Replacement is determined by the type of Homeowner’s Insurance coverage you have, but filing a claim is fairly simple, and USAA will help you with everything from initial assessments to finding contractors, and anything else you need.


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.

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