What Kind of Roof Damage is Covered by Insurance?

“I have some pretty roof damage, and I need to know: what kind of roof damage is covered by insurance?”

Roof damages can be a pretty serious problem. If the damages are serious enough, you could start seeing repercussions throughout the rest of your home. And if left untreated, your home could develop water damage, leaky ceilings, and even mold damage. Paying out-of-pocket for these repairs would be several thousands of dollars, so you need to know: what kind of roof damage is covered by insurance? That’s where we can help.

If you’re new here, we’re a team of licensed, bonded, and insured roofing professionals. We’re experts in all things roofing, and we’re passionate about helping homeowners understand roofing projects a bit better.

First, let’s talk about what kind of roof damage is covered by insurance. Then, we’ll tell you how you can get your roof inspected by a residential roofing professional for free.

First things first: what kind of roof damage is covered by insurance?

Generally speaking, your insurance company will only provide coverage for roof damages if they were caused by an extreme weather event. So, what do they mean by an “extreme weather event?”

In the eyes of most insurance companies, “extreme weather” is typically one of the following:

• Straight-line winds. Also known as “damaging winds,” straight-line winds are thunderstorm winds that have no rotation. These winds typically reach around 100 mph, and they can cause serious damages to roof shingles and panels.
• Hail Storms: While hail storms vary in severity, they can still be damaging regardless. In fact, serious hail storms can cause leaky ceilings and gutters.
• Snowstorms: While not all snowstorms cause damage, many blizzards are capable of doing so. Excessive snow accumulation can cause pressure and frost-wedging to settle in, both of which can cause large cracks in your roof.
• Tornados: Tornados can rip entire panels off of your roof. Because of this, all insurance companies classify tornados are classified as “extreme weather”.

If your roof damage was caused by any of the above-mentioned weather incidents, then you can rest assured that your insurance company will probably cover the damages!

Side-effects of extreme weather incidents are also typically covered by insurance companies. So for instance, let’s say your tree was struck by lightning during a severe storm. If that tree then landed on and damaged your roof, then your insurance company will most likely covers those damages as well.

Not sure how your roof damages were caused? We’ll tell you for free!

If you’ve been wondering, what kind of roof damage is covered by insurance, then chances are, you’re new to roof damages and repairs. If you’re not sure how the damages on your roof were caused, then don’t worry. We’ll diagnose your roof damages for free! As previously mentioned, we’re a team of licensed, bonded, and insured roofing professionals. We offer free roof inspections and estimates, so we’ll identify the cause of your roof damages for free!

Claim your free estimate today, and we’ll identify what caused your roof damages. We’ll even work directly with your insurance company to make sure that your roof repair job is completely covered before we begin working on your roof repairs!