does homeowner's insurance cover storm damage roof replacement?

Sudden and catastrophic wind events, such as hurricanes and severe thunderstorms can cause damage to your home’s exterior, potentially causing one or more roof leaks. Can you rely on your insurance company to repair a leaking roof caused by this type of storm damage?
 
The answer is a bit more complex than a simple yes or no because it depends on your policy.
 
Roof repairs, if the damage to your roof is caused by a covered loss, are typically covered in the dwelling coverage section of your policy. But there are also a few types of roof storm damage that can require separate policies or deductibles, if you don’t already have hurricane or windstorm coverage. 

Roof Leak Repair Cost

A full roof replacement, without the help of insurance, can be a steep price tag for many homeowners, but it is a necessary component to your property’s  envelope.
 
Here are a few things to consider when filing a storm damage-related roof insurance claim.

Does Homeowner's Insurance Cover Roof Replacement?

Homeowner’s insurance policies will vary when it comes to covering a roof replacement resulting from a storm.

Most policies cover damages from sudden and accidental losses such as wind, hail, or lightning damage, but may have at a higher deductible. Other policies may exclude these types of storm damages altogether.
 
Be prepared and review your insurance policy so that you know and understand your property coverage. For example, whether or not you are covered for the ensuing water damage to your property from roof leak or if you are covered for full replacement of your roof from a hurricane, windstorm, hail or lightening. Many Insurance companies are beginning to implement roof depreciation schedules into their policies or not cover roofs at all that are a certain age and older.

Your Roof Leak Insurance Claim is Denied, Now What?

Was the damage from your roof leak insurance claim denied? The verbiage in your homeowner’s insurance policy is important for any claim you make. However, a roof leak repair or full replacement is not something you should wait to handle--whether your claim was denied or not.
 
If you need a roof replacement, and your insurance provider is denying your claim, you may still have options. Oftentimes, roof replacement claims from storm damage get denied if there is suspicion that the damage resulted from general wear and tear or lack of maintenance.
 
That is when hiring a public adjuster, like Reliant Insurance Adjusters, can help you get the highest possible settlement of your claim and also potentially avoid an outright denial of your claim..
 
Contact us today for a free policy review and to learn how we can help get your insurance claim paid should you have one.