Infinite Roofing & Construction Roofing Blog

Roofing, Siding, Guttering and Solar info and topical blog - Capital Region NY

  • Call 518-444-ROOF
    Text 518-221-1003 
  • Roofing
    • Commercial Roofing
    • Metal Roofing
    • Shingle Roofing
  • Roof Replacement
  • Roof Repair
  • Siding
  • Book Estimate

Did a hail or wind storm just affect your neighborhood? Will your Insurance cover the damage to your roof?

May 14, 2019 by Infinite Roofing Leave a Comment

Your insurance typically covers roof damage, and any structural damage caused by a covered peril. Roof damage to your garage or other structures of the property are also covered under this section of your policy.

However, not every cause of roof replacement is covered under your policy, and roof damage can happen in a multitude of ways.

If your roof has been neglected over the years and deteriorated because of that cause, the damage to your roof may not be covered by your insurance company, and your claim can be denied. You may also be out of luck if your roof was damaged by an earthquake, flood or mudslide unless you have additional coverage for those perils.

Damage caused by wind, or hail are typically covered under a standard insurance policy, but it is common for insurers to require separate deductibles for those perils.

Does homeowners insurance cover wind and hail damage to my roof?

A standard home insurance policy usually covers Wind and hail as these are two common causes of roof damage. However, in states like Kansas and Oklahoma which experience these hazards more frequently than other parts of the country, insurers are more likely to increase the cost of their policies to reflect the high risk and recurring claims.

The severity of the damage may also determine how much and if you would qualify for your insurance company paying for the damage. For example, if a few shingles on your roof had slight nicks in them after a hail storm, your home insurance company may classify it as “cosmetic” damage, which is a common dwelling coverage exclusion. As a matter of practicality, it may not be worth filing a claim for aesthetic roof damage anyway, as the deductible may end up higher than the total damage cost.

Does homeowners insurance cover roof leaks?

Your home insurance company will cover a roof leak if:

The leak was caused by a peril that’s covered in your policy, and the damage was swift, sudden and didn’t accumulate over a number of years.

This can be an area of contention in home insurance policies, though, as a leak that came as a complete surprise to the homeowner may be perceived as an instance of neglect to the insurer.

For example, if you live in a wintry climate and your roof gets layered with snow every winter, you may not notice its gradual deterioration until that big storm hits and a large section begins leaking. Even though the event that triggered the leak was a big storm, your insurer may view the damage as gradual and deny your claim.

Can my claim be refused by the insurer if my roof is too old?

After you sign your homeowners’ insurance application, the insurance company will send out an insurance adjuster for your roofing insurance claim to make sure everything you claimed in the application checks out and determine if coverage adjustments are needed. It’s not just about coverage limits though, the insurance company wants to know if you’re even worth insuring based on how likely you’re going to be filing claims; they’ve been known to deny applications post-inspection.

The roofs quality and how old it is; is one of the key structural components of your home that they inspect. If the roof age has eclipsed 20 years some insurers refuse to renew existing policies without passing inspection first from a roofing company in the roofing insurance claim process.

Other insurers simply won’t write new policies for homes with roofing that’s 15 to 20 years old, and if they do, they’ll specify that it’s only covered under an actual cash value policy. Which means that, if your roof gets damaged or destroyed, the company only pays out whatever the value of your roof is after 20+ years of depreciation.

Replacing a roof can get expensive, contact a roofing company to get quotes on how much it would cost to have your roof replaced, While the costs provided by the roofing company may seem expensive, you may not have much of a choice if your roof is ancient, as doing nothing could mean having no homeowners insurance policy at all.

Filing a roof replacement claim

Contact your insurance company immediately if you suspect that your roof was damaged after a storm or got attacked by an army of squirrels. Always take pictures of the damage done to your roof to provide evidence of your roofing insurance claim process.

Usually, before and after pictures tend to do the trick, but even pictures of just the damage after the storm or the incident can help the claim and help the roofing company in your area determine how much it would be to repair or have a roof replacement without coming out to your house.

Provide evidence of your claim

Schedule an insurance claim inspector to come by and survey the damage

The damage needs to be repaired as quickly as possible, find a local roofing company to give you an estimate and do the repair for you. Not only does having a leak or hole in your roof provide unwanted access points in your house, but you’re also risking further damage to everything inside.

Infinite Roofing and Construction gives free estimates for roof repairs and replacements, we can deal with your insurance company to get you the best roof replacement that your house deserves with the best roofers in Albany to do the job for you.








Filed Under: Hail, insurance, Repair, Roof, Roof Replacement, Wind Damage Tagged With: hail damage, insurance claim, repair, roof replacement, wind damage

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Recent Posts

  • Guide to Hail Damage for Homeowners
  • Saratoga Springs, Clifton Park & Albany Commercial Roofing  
  • Types of Standing Seam Metal Roofing Systems
  • Top Roofing Shingle Colors For 2021
  • How to Land More Roofing Jobs Than Your Competitors

Recent Comments

  • Carine Brexley on How to prepare your roof for winter
  • rubinkowo on DIY method to remove Moss and Lichen With Vinegar
  • dentysta toruń on DIY method to remove Moss and Lichen With Vinegar
  • teeth on DIY method to remove Moss and Lichen With Vinegar
  • Dentysta toruń on DIY method to remove Moss and Lichen With Vinegar

Archives

  • April 2022
  • September 2021
  • June 2021
  • May 2021
  • February 2021
  • December 2020
  • November 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • March 2020
  • February 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • July 2018
  • November 2017
  • April 2017
  • March 2017

Categories

  • Acrylic Roof Coating
  • Algae
  • Attic Ventilation
  • Commercial Flat Roofing
  • Commercial Roof Coating
  • Elastomeric Roof Coating
  • Fire Damage
  • Flat roof
  • Gutters
  • Hail
  • insurance
  • Maintenance
  • Metal Roofing
  • Repair
  • Ridge Vent
  • Ridge Vent Leak
  • Ridge Vent Problem
  • Ridge Vents
  • Roof
  • Roof Coating
  • Roof Flashing
  • Roof Inspections
  • Roof Maintenance
  • Roof Replacement
  • Roof Shingles
  • Roof Ventilation System
  • Roofing
  • Roofing Materials
  • Rooftop Snow Removal
  • Siding
  • Silicone Roof Coating
  • Skylight
  • Tax
  • Tax Return
  • Tips
  • Uncategorized
  • Warranties
  • Wind Damage

Meta

  • Log in
  • Entries feed
  • Comments feed
  • WordPress.org
· Blog · Privacy Policy · Terms of Use · Sitemap

Copyright © 2023 · Infinite Roofing & Construction