What Common Types of Roof Damage are Covered by Insurance?
Insurance Coverage of Weather Related Roof Damage
You have homeowner's insurance to protect your roof from unforeseen problems. Learn six types of damage your homeowner's policy covers.
In today's world of rapidly changing weather, it's almost inevitable that, at some point, your roof will suffer weather damage, whether it's hail damage, leaks, or blown-off shingles. Plenty of unforeseen problems can arise when you're a homeowner, which may sometimes require costly repairs.
Many homeowners put off repairs because of financial considerations. The fact is, procrasting can cost you even more in repairs down the road. The good news is that your homeowner's insurance may be able to help offset the costs.
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The six common types of roof damage that your homeowner's policy may cover.
First, The Signs of Roof Damage
Before jumping into coverage, it's crucial to recognize the signs of roof damage. Catching potential problems early and taking a proactive approach can prevent further damage and increase the chances of insurance coverage.
Here are some common signs of roof damage:
Missing or Damaged Shingles — Missing or damaged shingles are a sign that your roof suffered damage. High winds, hail, and heavy rain or snow can loosen or tear off shingles.
Granule Loss — Asphalt shingles often lose granules as they age. Excessive granule loss can put your roof at risk of UV damage and leaks.
Sagging Roof Deck — A sagging roof deck is a serious problem that needs immediate attention. It can indicate structural damage or excess moisture in your attic.
Mold or Moss — Moss, mold, or algae on your roof signals excessive moisture retention and can damage your roof.
Leaks and Water Stains — Water stains in your home are a sign that your roof has been compromised. Leaks can be caused by damage to flashing, worn out or lost shingles, or deteriorating sealant.
Hail Damage — Hailstorms can cause significant damage, leaving cracks, dents, or punctures in your shingles that may lead to leaks.
Six Types of Roof Damage Coverage Covered by Homeowner's Insurance
Now that you can recognize roof damage let's look at what most homeowners insurance policies typically cover damages.
Storm Damage
Most homeowner's policies cover damage from severe weather, including thunderstorms, tornadoes, hurricanes, and high winds. Typically, coverage extends to shingle damage, structural damage, and leaks.
Fire and Smoke Damage
If your house catches fire and your roof is damaged, for example, if the firefighters intentionally damage roof shingles while fighting the fire, you may be covered.
Falling Objects
During a storm, if a tree limb or any other debris or object falls onto your roof causing damage, your insurance policy may cover repairs or replacement.
Burst Pipes and Accidental Water Damage
In cases where accidental water damage or a burst pipe damages your roof, your insurance may help cover repair costs, including materials, repairs, and fixing any resulting leaks.
Vandalism
Acts of vandalism that cause roof damage, for example, someone intentionally damaging shingles, may be covered by your insurance.
Weight of Snow and/or Ice
If your roof is damaged by the weight of heavy snow or ice dams, it is often covered by homeowner's insurance.
What Is Not Covered
Most homeowner's policies provide protection for the above-listed damages. It's crucial to also understand what is not covered.
Insurance policies are designed to protect you from unexpected events. Typically, homeowners insurance does not cover damage caused by normal wear and tear or neglect. Also, while burst pipes are covered, flood damage is not and requires a separate Federal flood insurance policy.
Another type of damage not covered by a standard homeowner's policy is earthquake damage. Like flood insurance, earthquake insurance is a separate policy. Some policies may not cover cosmetic damage that does not impact the roof's functionality, such as hail damage that does not result in leaks.
What to Do If You Detect Damage to Your Roof
Now that you are aware of what roof damage looks like and what is and is not typically covered by homeowner's insurance, in the event of any covered damage, the first thing to do is contact your homeowner's insurance carrier.
After contacting them and providing all relevant information, your next steps depend on your insurance company. They will either send out an adjuster to inspect your roof or recommend that you contact a professional roofing company for an inspection.
If an adjuster is sent, they will inspect your roof and approve or deny your claim. If approved, you'll hire a local roofing professional who is experienced in working with insurance companies.
If you are directed to contact a local roofing company for an inspection, they will come to your home. They will physically walk your roof, take photos of any noticeable or suspected damage, and prepare an estimate to present to your insurance carrier.
Once the estimate is approved, your roofing contractor can repair your roof. The key is to go into the process as prepared as possible. Typically, most insurance companies will give you one to two years after the storm to file a claim. The truth is going it alone can be a stressful process. It's always best to work with a local roofing contractor with experience in dealing with insurance claims. They can help you understand your options and work with you to prepare a claim for your insurance carrier.
If you live in the Wilmette, Illinois area and your roof has suffered storm damage, give the experts at Lynch Roofing a call at (847) 217-0004. We will work with you and your insurance company to get you the help you need. Let us find and repair issues before they become critical. Our team will keep your roof ready to meet the challenges of our Illinois weather!
