You’ve filed your claim, the insurance company approved the roof replacement, and everything seems set. Then the bill comes, and you’re stuck paying thousands more. What gives?
Often, those surprise costs come from building code upgrades and hidden expenses your insurance didn’t cover. Here’s what you need to know to avoid getting blindsided.
What Are Code Upgrades?
Local building codes change over time. When you replace parts of your home—like your roof or siding—you’re legally required to meet current codes. That might mean:
- Installing stronger underlayment
- Using fire-resistant materials
- Adding proper ventilation or flashing
- Meeting updated insulation standards
If your insurance policy is older or limited, it might not cover these extra requirements fully.
Why Insurance Doesn’t Always Pay for Everything
Insurance policies typically cover “like-for-like” repairs, based on the condition of your home before the damage. But building codes move forward, and what was acceptable 20 years ago might not pass inspection today.
The gap between old and new codes creates costs that insurers sometimes only partially cover—or don’t cover at all.
Hidden Costs Aren’t Just Code-Related
Besides code upgrades, hidden costs might include:
- Structural repairs uncovered during demolition
- Mold or hazardous material remediation
- Additional labor for weather delays or overtime
- Permits and inspection fees
Knowing about these potential costs upfront can help you plan and budget better.
How We Help You Navigate These Surprises
We have deep experience working with local building codes and insurance companies. We:
- Identify code upgrade requirements early
- Include those costs in your insurance claim wherever possible
- Explain any out-of-pocket expenses before work begins
- Help you find solutions that meet code without breaking the bank
Our goal is to make sure you’re never caught off guard—and that your home meets or exceeds safety standards.
Understanding the Fine Print Saves You Money and Stress
Restoration work is complex, but you don’t have to learn it all alone. With the right contractor guiding you through insurance claims and code requirements, surprises become manageable, not overwhelming.