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If your residential roof has experienced damage, you may be wondering what type of coverage you can expect from your homeowners insurance policy. Policies vary greatly, so it is important to check with your insurance company as soon as you notice damage to determine what level of coverage it will provide.

Let’s take a closer look at the types of damage most policies will cover and will not cover to help you know what to expect as you move forward with roof repair.

Different Types of Roof Damage Most Insurance Will Cover

Homeowners insurance policies typically cover roof damage that is a result of the following:

  • Fire
  • Vandalism
  • Natural disasters like tornadoes and hurricanes

Will your policy cover other weather events like wind, hail, or rain? The answer depends on your specific policy and the age of your roof.

For example, many insurance companies are likely to provide a full replacement when a ten-year-old-roof receives damage due to weather events.

However, if your roof is 20 years old or older, the company may only reimburse you for the roof’s value at the time of damage. In this case, the company may consider the years of wear and tear before the weather event.

Roof Damage Insurance Is Unlikely to Cover

Because insurance companies believe homeowners should be responsible for preventing most roof leaks and water damage resulting from leaks, a policy may not provide coverage for a basic leaky roof. Ensuring you hire a professional roofing company to perform the necessary repairs as soon as you notice a leak is the best way to help your roof get maximum coverage when it undergoes damage.

How to Increase the Likelihood of Your Insurance Covering Roof Damage

Taking good care of your roof through professional roof maintenance and annual inspections will maximize your insurance coverage. By hiring a reputable roofing company to provide maintenance and inspections, you’ll have a record that shows you have done everything possible to keep your roof in optimal condition.

Because homeowners insurance typically does not cover damage that results from lack of maintenance or general wear and tear, it’s up to you as a homeowner to schedule the preventative maintenance that prevents issues before they become costly repairs.

Turn to Capital Roofing for Professional Roof Repair and Maintenance

At Capital Roofing, our expert roofing team brings 25 years of experience to your home’s roof repair and maintenance. We also offer a free roofing inspection to help you catch problems that require repair, enabling you to extend your roof’s lifespan. In the case of a fire, vandalism, or natural disaster, we will be there to perform the highest quality repairs that will work for your insurance policy.

No matter what kinds of roof damage your home is facing, our roofing repair experts will get the job done right the first time. Connect with us to get a free quote or to schedule service.