What Is Covered?
Insurance typically covers roof damage from sudden, accidental events:
What Is Not Covered?
Insurance does not cover damage from these causes:
Insurance Policy Types
Your policy type affects coverage:
Filing a Roof Damage Claim
Steps to file a successful claim:
Contact Your Insurance
Call your insurer to report the damage. Have your policy number ready. Ask about your deductible and coverage details.
Document the Damage
Take photos of visible damage. Get a roofing professional's assessment with detailed documentation.
Adjuster Inspection
Schedule the adjuster visit. Be present to point out all damage. Bring your roofing professional's report.
Review the Estimate
Compare the adjuster's estimate with your roofer's estimate. Dispute any discrepancies immediately.
Receive Payment
Most policies pay in two parts: initial payment (ACV minus deductible) and recoverable depreciation after completion.
Understanding Your Deductible
Your deductible affects your out-of-pocket costs:
Frequently Asked Questions
Does homeowners insurance cover roof replacement?
Insurance covers roof replacement only if damage is from a covered peril (hail, wind, fire, lightning). Normal wear and tear, age, or maintenance issues are not covered. If you have storm damage, contact your insurance company and a roofing professional for documentation.
How much does my deductible cost for roof damage?
Most policies have $500-$2,500 deductibles. Some policies have percentage-based deductibles (1-2% of home value) for wind/hail damage. Check your policy for the specific deductible amount.
Will my insurance premiums increase after a claim?
Many insurers increase premiums after a claim, especially if you have multiple claims. However, the increase is often offset by the insurance payout. Ask your agent about the potential impact before filing.
Can I refuse an insurance adjuster's estimate?
Yes. If you disagree with the adjuster's estimate, you can request a re-inspection, provide your own contractor's estimate, or hire a public adjuster to represent your interests.