The event that caused the roof damage often determines if the damage will be covered by your homeowners insurance.
Damage to your roof covered by your homeowners insurance
Your homeowners insurance policy covers perils named in your policy. Homeowners insurance usually covers damages to your roof caused by fire, lighting, windstorm, or hail. If you notice any damage call a licensed and insured inspector immediately. Also, to the extent possible before repairing the damage, consult your insurance company to find out if your insurance policy is adequate to cover the damage.
Not all damages to the roof are covered by your homeowners insurance policy
Homeowners insurance does provide coverage for roof damage, as long as it can be proven that the damage was caused by an event covered by your homeowners insurance. For example, your homeowners insurance doesn’t usually cover damage due to poor maintenance and general wear on the roof. Basically for the roof to be covered the damage must be a result of an event that is named in your policy.
What is the process for filing a roof damage claim?
If you suffer damage to your roof from an event such as a windstorm, or a hail contact your insurance company right away. Document the damage with photos, videos, and an insured inspector report. There are some insurance companies that deny claims if the roof repairs were completed before the insurance claim is filed. To the extent possible, it is important to allow the insurance company to inspect the roof damage to ensure it is covered by your policy before repairing it.
If your roof is leaking contact your insurance right away. Most insurance companies offer some sort of coverage to replace damaged roofing, but it’s not a blanket policy. Talk to your insurance provider for more information.
Give us a call at 248-362-1313 or fill the form below and we can try to guide you through the process.
