Is Roof Damage Covered by Insurance?

Roof damage is one of the many home repair expenses a homeowner may face. When a roof gets damaged, it is important to take action as quickly as possible to prevent additional damage. The best way to do this is by filing a claim with your insurance provider.

Does home insurance cover roofs?

A standard homeowners insurance policy for some types of roof damage covered by insurance. However, the extent of coverage varies depending on the area of your residence and the age of your roof.

In order to qualify for the coverage, you’ll need to produce a roof inspection report. This will show the insurance company that you’ve had a regular maintenance schedule. If you’re in a hurry to get your roof repaired, you can also seek the assistance of a contractor.

While roof damage can occur in a variety of locations, hailstorms are particularly devastating. The damage can include broken shingles, ice on the roof and tree limbs snapped by heavy ice. You can find out more about roof damage coverage options by calling your insurer or reading up on your local agent.

The insurance company will likely send a claims adjuster to evaluate the damage. They will then determine the cost of the repairs. Your claim will be approved or denied.

There are several steps to follow in order to file a successful claim. Make sure you have a solid grasp of your homeowners insurance policy before you begin. Some companies will offer a checklist to help you along.