What Kind Of Roof Damage Does Insurance Cover?

What Kind Of Roof Damage Does Insurance Cover?



Heavy Storms Can Cause Major Roof Damage.

Your roof is something you don’t often think about until something is wrong with it and then it’s all you can think about. When you end up with roof damage, you may wonder if your insurance will pay for it or at least help. This is something that is going to depend on the situation. Insurance will sometimes try to find holes to get out of paying for a roof if it is too old or that the damage wasn’t created falling in line with their criteria. The best way to find out this kind of information os to call your insurance and ask. It is a great idea to know ahead of time what is covered that way if you are in a situation where you need to file a claim, you will be prepared for what is about to come.

Is a Roof Repair Covered By Homeowners Insurance?

Just like any insurance claim, it will all depend of the situation if your roof repair is covered or not. Roof repairs are usually not covered if they are because your roof is old and a shingle has come loose, you haven’t had an inspection done in a few years and now you think you may have a roof leak. The major part of how insurance adjusters look at roofing is that they look at the age of the roof. If it is over 10 years of age, you may have trouble getting things covered as easily. If you have a commercial roof with a coating or single ply roof, you will want to pay attention to it and get a flat roof repair regularly to avoid having to have that replaced because it is often times not covered. A TPO repair can help stop damage from spreading further and causing you to have to have a full roof replacement.

What Is Covered?

We should say what is usually covered here because it is all up to your insurance and what your policy covers.

  • Hurricanes
  • Tornadoes
  • Wind Damage (usually if a tree or something similar falls and hits it)
  • Hail Damage
  • Fire
  • Water Damage (due to flooding and this is usually only if you have paid for flood damage)

If you end up having any issues with your roof, you can always call Jemar Contracting, LLC at 215-544-1157 for insurance claims help in Philadelphia, PA.