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What Roof Repairs Are Covered by Insurance?

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Roof insurance is mostly designed for unexpected and natural disasters. It is not designed to replace or repair your roof in the event of normal wear and tear. For that, you’ll want to check with the manufacturer or your roofing materials and inquire about their warranty to find out its duration and what it covers. Today, we are going to discuss the events that are specifically covered by roof insurance. Let’s dive in!

Events Covered by an Insurance Claim

In most cases, your homeowner’s insurance will cover the cost of repairing or replacing your roof if it is damaged by fire, wind, hail, or other covered perils. These are considered unexpected and unpreventable instances. So, for example, if your neighborhood experiences hail damage or a wind storm that dislodges several of your roof shingles, you may have that damage covered by your roof insurance company.

Many times people just need some minor to moderate roof repair. However, sometimes they rely on their insurance company to cover roof replacement costs for the entire roof.

Roof Repair Events Not Covered

If your roof is in poor condition and leaks regularly, most homeowners insurance policies will refuse to pay for repairs or a new roof. Additionally, most policies have a deductible that you will need to pay before your coverage kicks in. If you’re unfamiliar with a deductible, it’s basically a set amount of money that you have to pay out of pocket to repair damages before the insurance coverage will kick in and cover the rest.

If you’re not sure whether your policy covers roof damage, the best thing to do is check with your insurance agent or company. They’ll be able to tell you what’s covered and help you file a claim if necessary. Make sure you do this preemptively before any damage occurs, or right after the damage occurs. Don’t wait several days or weeks to report the damage to the insurance company, or they may get suspicious.

Tips to Prevent Roof Damage

In the meantime, here are some tips to help you prevent roof damage in the first place:

  • Inspect your roof regularly for signs of wear and tear, such as missing shingles.
  • Trim trees and branches that could fall on your roof during a storm.
  • Clear gutters and downspouts of leaves and debris to prevent a leaking roof.
  • Make sure your roof is properly ventilated to prevent moisture build-up.

By taking these precautions, you can help reduce the likelihood of needing to file a claim for roof damage. If you’re uncomfortable performing routine maintenance on your own, you need your roof replaced, or if you notice some roof damage that needs fixing, contact one of your professional local roofing companies like Peak to Peak Roofing & Exteriors in Denver, CO, today.

Things to Remember

We hope this article has helped you understand what is covered by a roof insurance claim. Remember, most policies will cover roof replacement or roof repair for damage caused by fire, wind, hail damage, or other natural disasters. Damage caused by poor roof maintenance will likely not be covered by insurance. For that, check with your roof manufacturer’s warranty. Also, be aware that you’ll likely have a deductible that you will need to pay before coverage kicks in. If you’re unsure about what’s covered under your policy, contact your insurance agent or company for more information.

In the meantime, take some preventive measures to help reduce the likelihood of needing to file a claim, such as regularly inspecting your roof and trimming any trees or branches that could fall on it during a storm. Lastly, if you notice any roof damage, don’t hesitate to contact a professional local roofing company like Peak to Peak Roofing & Exteriors for more information, to get routine inspections, and to get your roof repaired or replaced.

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