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Insurance Claims
There are many ways you can process an insurance Claim
The dwelling coverage portion of your homeowners insurance covers the house structure, including the roof.
Types of roof damage covered by your insurance will depend on the policy’s terms and the reasons your roof needs to be repaired or replaced. Typically, a policy covers problems that are sudden or accidental, and caused by certain events such as wind, fire, hail or the weight of snow.
Partial Roof Damage
In some cases, the lifespan of the roof is shortened because of damage. Your insurer may cover the cost to replace the entire roof even if it’s only partially damaged. For example, if a homeowner has asphalt shingles damaged by hail strikes, an adjuster would count how many strikes occurred in a section to determine the impact on the lifespan of the roof. If there are enough strikes, the roof lifespan is substantially impacted and it needs to be replaced.
Match Issues with Roof Material
If the materials to fix your roof are unavailable, your insurance company may have to replace the entire roof. For example, if you have slate tile that you can’t get any more, you may have to replace the entire roof to ensure materials match.
Things Insurance might not cover
Since it’s your responsibility to maintain your home, policies don’t cover damage caused by a lack of maintenance. That means repairing your roof due to wear and tear, or replacing it because its lifespan is over, won’t be paid for by insurance.
Lack of maintenance could also come back to bite you after a storm. If your roof was old or not well-maintained before the storm, you could have trouble getting full reimbursement.
Homeowners insurance also won’t cover damage caused by floods or earthquakes, including roof damage.
