Filing an insurance claim for roof damage can be overwhelming. This guide walks you through the process and helps you avoid mistakes that could cost you coverage.
What Homeowner Insurance Typically Covers
- Sudden storm damage (wind, hail, fallen trees)
- Fire and smoke damage
- Vandalism
- Weight of ice/snow causing structural damage
What Is Usually NOT Covered
- Normal wear and aging
- Neglected maintenance issues
- Gradual water damage from slow leaks
- Flood damage (requires separate policy)
- Damage from poor installation
Insurance companies may deny claims if they determine damage resulted from lack of maintenance. Keep records of regular inspections.
Filing Your Claim
- Report damage within 24-48 hours
- Document everything with photos and video
- Get a professional inspection report
- Keep all receipts for temporary repairs
- Do not sign anything without reading carefully
We work directly with insurance adjusters and can provide detailed documentation that supports your claim. Ask about our insurance assistance services.