What Roof Damage Is Covered by Insurance?

Insurance coverage is a necessity for all homeowners. It offers protection if your home is damaged by a variety of unpredictable events. But is every unforeseen problem covered by insurance? Not always.  

Realizing that your homeowners insurance will not cover certain damages can be frustrating and confusing. You may have assumed that your insurance would cover many significant problems, only to discover that a simple roof leak may not even be covered. So, what damages will your insurance cover? 

In this article, we’ll discuss what to do when you have roof damage, a few things your homeowners insurance will cover, the inspection process, and whom to contact for all your roofing needs.  

What Kind of Roof Damage Is Covered by Insurance? 

If your roof has been damaged because of extreme weather, your home will most likely be covered under your policy. What is extreme weather? Examples include damaging winds during heavy thunderstorms, hailstorms, snowstorms, and tornados.  

Another situation that your home insurance will likely cover is damage from fallen trees. Trees can fall because of strong storms or freak accidents. In this case, homeowners insurance should cover replacing your roof from any damage it sustained.  

Typically, homeowners insurance does not cover damage caused by a lack of maintenance or standard wear and age damage. This is why it is so important to have regularly scheduled maintenance checks on your roof by a professional and to correct issues at the first sign of an issue. 

What to Do When You Have Roof Damage  

If your roof is damaged, contact your homeowners insurance company immediately. Provide them with all relevant information, and they will tell you what actions to take next.  

Once you contact the insurance company, they will likely send out an insurance adjuster to inspect the roof damage or recommend that you call a roofing company for an inspection.  

If the insurance company sends an adjuster to inspect the damage, they will either approve your claim or inform you that they didn’t find signs of roof damage covered by your policy. If the claim is approved, you should look for a roofing contractor with experience handling insurance claims. However, you can ask for a second opinion if the claim is denied. Another adjuster may come to see if the original adjuster overlooked something and approve the claim after all.  

If the second adjuster also denies the claim, you can request an engineer to come out for an inspection. If their findings agree with yours, they will provide proof to your insurance company that the roof needs to be replaced.  

However, the ultimate decision lies in the hands of your insurance company.  

Roofing Company That Inspects Roof Damage  

If your insurance company has advised you to contact a local roofing contractor, contact a roofing company with a history of working with insurance companies and handling roof damage claims. We are known for our quality workmanship and affordable prices. 

CertainTeed professionals offer the highest level of customer service and attention to detail. We are honest and will even help you submit your insurance claim. Contact us today and one of our specialists will walk you through the process and schedule a time to meet with you and discuss your roof.