What Roof Damage is Covered By Insurance?

Insurance claim form surrounding roof damages.

Learn More About Roof Damage Insurance Claims

When a storm passes your area it can leave damages to your home that may be difficult to navigate as far as the processes of what to do to follow up with fixtures. It’s important to tackle these problems head-on and contact the necessary people to start repairs. When you’re needing to file a roof damage insurance claim and contact a roofing contractor for repairs it’s important to know some information so the process isn’t confusing. It’s therefore important to have some background information surrounding what to expect with a roof damage insurance claim and what exactly an insurance company policy will cover as far as damages. Typically, insurance policies will take several factors into consideration regarding your roof repairs and replacements. Such factors can include the age of your roof, the materials it’s made out of, the region of where you live and if damages were sudden and not a result of the passage of time. The best way to determine if your home is eligible for roof repairs and replacements is to call your insurance company as soon as a storm passes by or another instance of damage has occurred in order to become acquainted with what they will and will not do with your future roof damage insurance claim.

Does insurance pay for new roof?

An all perils policy with homeowners insurance will typically cover costs of roof replacements or repairs if inclement weather was the cause of roof damages. Typically storms such as with heavy wind, rain or hail are considered acts of nature and therefore out of your control. It’s important to make a roof damage insurance claim and follow the requirements necessary to support your claim in order for it to be accepted. Some insurances, for example, will require that you turn in picture proof of any roof damages as well as schedule a roof inspection with a professional roofing company in order to get an expert diagnosis of what areas are damaged. Most roofing companies provide the service of taking photos with their roof inspections and are even able to become an intermediary between you and your insurance company.

Does insurance pay for wind damage to roof?

Typically homeowners insurance will cover roof damages caused by high winds as this is considered damages caused by inclement weather.  

Can I file an insurance claim for a leaking roof?

A roof damage insurance claim can be done for a leaking roof as well as long as the cause of the leak occurred due to a storm or other outside circumstances beyond your control or due to the age of your roof.

How do you know if your roof has hail damage?

Your roof can exhibit many signs when hail has impacted the integrity of your roofing materials. It’s important to know that impacts of debris and hail can damage your roofing materials no matter the size of the object as sheer force can leave marks and indentions. Depending on your roofing material some cosmetic damages may range from dents and dings to roof punctures, perforations or even chips and breaks.

Hands covering a miniature modelk of a home as an illusion to roof coverage with insurance.

Tips On How To File A Roof Damage Insurance Claim

Roof Damage Insurance Claim Tips

  • Find Out What Your Policy Covers
  • Contact Your Roof Insurance Company
  • Contact a Qualified Roofing Contractor
  • Have a Professional Inspect Damages
  • Take Pictures of Your Roof
  • Keep Copies of Everything For Your Records

How long do you have to file a claim for roof damage?

How long you have to file a roof damage insurance claim will largely depend on your insurance policy or company. However, as far as roof damages caused by a storm most have a limit to file a roof damage insurance claim within 12-24 months of the storm. Certain types of storms may shorten this range as is seen with hail storm damages which typically have them allowing you to file a roof damage insurance claim up to 12 months from the storm. The best way to find out how long you have to file a  roof damage insurance claim is to contact either an NSDC certified contractor or your insurance agent for more specific information.

Contact A Professional

If you have any additional questions regarding how to file roof damage insurance claim or simply would like more information regarding the roof damage insurance claim process be sure to contact your insurance company or do some more research. As of such, a good rule to keep in mind is that roofing insurance claims for storm damage will generally be accepted under an all-perils policy with homeowners insurance. If your insurance differs or offers different caveats then look into roof maintenance programs or other roof repair options in order to get the best repairs for your roof! If you’re undergoing a roofing emergency than contact the necessary professionals for such cases as standing water removal or storm damage roof repair in Houston, TX. With a professional, you’ll be able to benefit from expert care and roofing services that will add in the longevity of your roof and protect it from storm damages in the long run!

If you’re interested in help with a roof damage insurance claim in Houston, TX call 281-300-4363 with Andy Nichols Roofing!