Roof Damage and Your Homeowners’ Insurance

Roof Damage and Your Homeowners’ Insurance

Roofs are one of the largest and most important features of a home. Its coverage is also a critical part of any homeowners’ insurance policy. Roof coverage has some unique aspects to it. Homeowners’ should be aware to have the right expectations when it comes to claims and to take full advantage of the coverage they have. Here are some things you should know about roof damage and your homeowners’ insurance.

I need a new roof. Will my homeowners’ insurance pay for it?

Not if you need a new roof because your roof has outlived its lifespan. If a roof needs to be replaced due to age and simple wear and tear, the homeowner will be responsible for the cost of replacement. Now, if the roof has been damaged due to a covered peril, act of nature or through an accident, your homeowners’ insurance policy will usually cover its replacement.

My roof has a leak. Will homeowners insurance pay to repair it?

If the leak is due to wind damage or some other covered peril, leak repair should be covered. If the leak is the result of lack of maintenance repairs likely will not be covered.

What steps do I take to file a claim?

First, have a qualified roofing company provide an estimate on repairs or a full replacement if necessary. Contact your insurance representative to file a claim. Once your claim is filed you will probably be contacted by an adjuster who will validate your claim and offer a settlement.

Can I use my settlement check and make repairs myself? 

Most insurance companies don’t have an issue with this. There are risks, however. If repairs or replacement isn’t properly done, you will be responsible for any additional repairs. In some cases, the terms of the homeowners’ insurance may require use of a licensed, qualified contractor. It is best to check your policy.

You should also beware that payments for roof damage claims are sometimes adjusted by the age of the roof. In other words, the older your roof is, the less your insurance policy may pay. Contact your insurance agent for details.

If you haven’t reviewed your homeowners’ insurance policy in years, your home may have outgrown its coverage. Contact our independent agents for a no-cost, homeowners’ insurance review. We may be able to find you improved coverage at a more affordable price. We look forward to assisting you with your roof-related and other homeowners’ insurance questions.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Unveiling the Quirks and Curiosities of Geography: A Journey Through the Unconventional Landscape of the United States

From Detroit’s Northern Prominence to South America’s Surprising Proximity: Unveiling the Unconventional Geographic Facts of the United States

Safeguarding Your Business with Income Interruption Insurance

Business Interruption Insurance: A Shield Against Financial Disasters

A Gift That Keeps on Giving: The Enduring Benefits of Child Life Insurance

Child Life Insurance: A Timeless Gift of Love, Protection, and Financial Security

Demystifying No-Fault Insurance

Unraveling the No-Fault Insurance Enigma: A Comprehensive Guide to Navigating the Auto Insurance Landscape

Navigating the Deductible Dilemma Maze

Insurance Deductibles: A Delicate Dance Between Financial Security and Premium Savings

Evolving Entertainment: A Journey Through the History of In-Car Entertainment

In-Car Entertainment: A Chronicle of Technological Advancements and Changing Driving Experiences

Debunking Insurance Myths: Unveiling the Realities Behind the Industry

Insurance Unveiled: Separating Fact from Fiction in the World of Protection

From First Crash to Compulsory Coverage: A Journey Through the History of Auto Insurance

Auto Insurance: A Tale of Accidents, Legislation, and Financial Protection

Insuring the Unexpected: A Glimpse into the World of Bizarre Insurance Policies

From Million-Dollar Legs to Kidnap Insurance: Unveiling the Quirky World of Unusual Policies

Navigating the Maze of Auto Insurance: Understanding the Coverage You Need

Auto Insurance Explained: A Comprehensive Guide to Protecting Yourself and Your Car