Homeowners insurance protects your roof against any unforeseen issues. Sometimes, however, your homeowners insurance policy doesn’t cover the unexpected including roof repair.
You are left confused and frustrated as you believed your insurance would cover roof damage that caused the leak. You might be asking, “What type of roof damage is covered by my insurance?”
Roof Damage, Roof Repair, and Home Insurance
Which kind of roof damage can be covered by insurance
Your insurance policy should cover roof damage caused by extreme weather events. Straight-line winds, also known as damaging winds, are caused by severe weather events such as hail storms and hurricanes.
Roof damage caused by storms should be covered by homeowners insurance. Your homeowners insurance policy will pay for the replacement of your roof if it is damaged by any of these events.
Remember that your insurance adjuster will determine if the roof has sustained enough damage to warrant a complete roof replacement. Your homeowner’s policy should cover your roof, provided the damage was caused by extreme weather.
What can you do if your roof is damaged?
You now know the extent of your coverage. The next step is figuring out how to fix it. If your roof has been damaged, you must immediately call your homeowners insurance company.
Contact them and provide all pertinent information. The next step will depend on what your insurance company tells you. You can either have an insurance adjuster inspect the roof damage, or they will direct you to contact a roofing company and get a roof inspection.
Let’s dive a little deeper into each of these scenarios.
An insurance adjuster is sent by the insurance company to inspect for damage to the roof.
Your insurance company will schedule an adjuster to inspect the roof for damage in the first scenario. Once the inspection is complete, your insurance company will approve your claim or inform you that they did not find any roof damage.
Once your claim has been approved, you can start looking for local roofing contractors who have experience with insurance claims. When your claim gets denied, there are still ways to recheck for roof damage.
Ask your insurance company to send a second adjuster out to inspect your roof. They might be able to see the things that your first adjuster missed and will approve your claim.
Sometimes, however, the second adjuster may insist that roof damage is not feasible for a claim. You can request an engineer to inspect your roof if you are still not satisfied with the second adjuster’s decision.
Pay for a comprehensive roof inspection from a roofing company that has experience working with insurance firms. They will be able to show proof to your insurance company that your roof is in dire need of replacement due to roof damage caused by recent storms. Your insurance company is free to accept or deny your roof damage claim.
To inspect your roof for damage, you can call a local roofing contractor
The second scenario is where your insurance company advises you to contact a local roofing contractor for a roof inspection. To submit to your insurance company, the roofing contractor would take photos of damages that is apparent or suspected.
The insurance company will send an adjuster out to inspect the roof if the contractor’s photos show evidence of roof damage. Your claim will be approved if the adjuster agrees.
When Can A Roof Damage Claim Be Denied
You now know what to do if you believe you have roof damage. But, who can approve your claim? What would happen if your roof damage claim is denied?
Your claim will be denied if your roof isn’t damaged. Another reason homeowners are unaware is that they waited too long to file a claim.
You usually have between 1 and 2 years to file a claim depending on which insurance company you have. This is quite common. However, homeowners insurance will not cover roof damage if the roof was not installed correctly.
Let’s suppose that straight-line winds ripped the roof off your house. When the insurance adjuster arrives, they discover that your shingles were not properly installed.
It won’t be covered if the roof was not properly secured. This will mean that you’ll need to either pay the roof repair bill yourself or call your roofing contractor to get their workmanship warranty honored. If they don’t do the job right, they may not be able to stand behind their work.