While roof damage is something we all hope to avoid, it can happen to the best of us. Keeping yourself and your home protected with reliable homeowners insurance will help soften the blow when needed roof repairs or replacements come around. While many homeowners have proper insurance, the question of whether insurance will cover a new roof often remains. The answer depends on the root cause of the damage and the type of policy you hold.
At Larson & Keeney Home Services, we understand the financial burden of unexpected roof repairs or replacements. That’s why we are here to guide Wisconsin homeowners on what is covered under homeowners’ insurance and what isn’t.
Understanding Homeowners Insurance and Roof Coverage
Generally, a roof damage coverage policy is designed to fully or partially cover the cost of replacing your roof if it becomes damaged. And like any insurance policy, you will have to pay your deductible before your coverage is applicable.
Some policies may even instill higher deductibles for more severe damages from hurricanes or other natural disasters. If you live in an area prone to these weather conditions, look into purchasing additional coverage to ensure you’re covered in case you experience one of these weather events.
Here are a few things to remember when it comes to roof coverage policies:
- You are usually covered as long as damage is incurred by an act of nature or an accident.
- Roofs exceeding 20 years of age have limited coverage.
- Damage due to a lack of general maintenance is not covered.
What Types of Roof Damage Are Typically Covered?
Coverage is applicable only if damage ensues due to unexpected accidents or a force of nature. General wear and tear issues or a roof that has exceeded its lifespan are not typically covered under a policy. These damages are considered general maintenance and are the responsibility of the homeowner.
Types of roof damage that are typically covered include:
1) Hail Damage
Hailstorms cause a harsh impact on your roof, threatening its stability. Depending on the severity of damage, you may need extensive repairs or replacement. Luckily, homeowners’ insurance covers the financial expense, either partially or fully.
2) Wind Damage
Wind damage is sourced from many types of natural weather conditions or disasters, making it a common threat to the integrity of your roof. If you need significant roof repairs or a replacement due to severe winds, homeowners’ insurance should cover some or all of the costs, depending on the severity and your policy. For added protection, you can also invest in windstorm-specific insurance, usually offered as extended coverage in your standard policy.
3) Lightning Strikes
Lightning strikes can cause significant damage to your home’s electrical systems, appliances, and roof through fire or direct impact. Most standard homeowners’ insurance policies include coverage for lightning-related damage.
4) Ice Dams and Snow Collapse
Heavy snowfall and ice buildup can create ice dams that prevent proper roof drainage, leading to leaks and structural stress. In extreme cases, snow might even cause a roof to collapse. Home insurance for the roof generally covers damage resulting from these conditions, especially if the collapse is sudden and not due to long-term neglect or abuse.
5) Tree or Branch Impact During a Storm
High winds and storms can cause tree limbs or entire trees to fall on your home, resulting in major roof damage and safety concerns. Similar to wind damage coverage, homeowners’ insurance for your roof typically includes specific coverage against falling trees, as long as the event was sudden and accidental. Your policy may help cover the costs of removal and repairs, depending on the extent of the damage and your coverage limits.
6) Vandalism and Intentional Damage
Intentional damage to your property, like vandalism, broken windows, or tampering, is often covered under a vandalism clause in standard home insurance policies. This protection applies when damage is caused by another party. It’s important to file a police report and document the damage to ensure you receive the full extent of coverage needed.
7) Damage From Aircraft or Vehicle Collisions
Though rare, damage caused by an aircraft crash or a vehicle collision can have devastating consequences. Similar to how hail and wind damage are covered due to their unexpected nature, most homeowners’ insurance policies include protection against these unusual accidents. The policy will often cover structural repairs and related damage, provided the incident wasn’t caused by the homeowner or someone living in the home.
What Roof Damage Is Usually NOT Covered by Homeowners Insurance?
Homeowners’ insurance can help pay for a new roof when the damage is caused by a covered event, such as a storm or fire. However, not all types of room damage qualify for insurance coverage. It’s important to understand what scenarios fall out of the scope of your policy when asking, “Does homeowners’ insurance cover roof repairs?”
The most common exclusions include:
1) Damage Due to Lack of Maintenance or Wear and Tear
Over time, all roofs experience aging and deterioration. If damage occurs because a roof has been neglected, such as failing to replace worn shingle roofing or ignoring small leaks, insurance will likely not cover the cost. Regular upkeep is considered the homeowner’s responsibility.
2) Cosmetic Damage That Doesn’t Affect Function
Insurance policies typically exclude minor or purely cosmetic issues, such as surface discoloration, fading, or small dents that don’t impact the roof’s structural integrity or function. If the roof still performs adequately, a claim will often be denied.
3) Pest or Animal Damage
Damage caused by pests or animals is another common exclusion. Since these issues are considered preventable with proper maintenance, repairs resulting from infestations or animal intrusions are usually not covered.
While homeowners’ insurance protects against many unexpected events, understanding these common exclusions helps set realistic expectations and encourages proactive roof care.
How To File a Roof Claim With Your Insurance Company
Filing a roof damage insurance claim can be overwhelming, especially since roof repairs are often one of the most costly and urgent home repairs homeowners face. But with accurate information and the right approach, the process does not have to be stressful.
At Larson & Keeney Home Services, we are committed to helping you navigate your claim confidently and get the protection you deserve.
Follow these essential steps to file a roof insurance claim and improve your chances of maximum coverage:
- Documenting the Damage: Take clear photos and videos of all visible roof and interior damage.
- Contacting Your Insurance Provider: Notify your insurer promptly and provide initial details and evidence of damage.
- Working with an Insurance Adjuster: Meet with an adjuster or have a trusted contractor present to ensure an accurate inspection.
- Understanding Your Policy Limits and Deductibles: Review your policy to know exactly what is covered and what costs you are responsible for.
Common Mistakes to Avoid When Filing Roof Insurance Claims
Although dealing with insurance companies is often confusing and stressful, having a knowledgeable roofing professional on your side will ease the process. Without proper support or knowledge, many homeowners often make common mistakes in filing their claims that can cause delays or reduced coverage.
We are here to help you avoid some of the most common mistakes when filing roof damage insurance claims:
- Failing to Properly Document Damage
- Filing a Claim for a Roof That Exceeds the Age Limit
- Partnering with the Wrong Contractor
- Not Understanding Coverage Details
- Overrequesting on the Claim
Tips When Hiring a Roofing Company for an Insurance Claim
Unexpected roof damage is stressful enough; navigating insurance claims should not add to the burden. Luckily, you do not have to go at it alone. A trusted roofing company can be your most valuable ally during this process, providing expert guidance and ensuring your home is properly restored.
Here are some key tips for finding the right roofing contractor:
- Insurance Experience: Choose a contractor with proven experience handling insurance claims who understands how to properly document damage, work with adjusters, and follow insurer guidelines.
- Local Knowledge and Expertise: Always hire a locally operated company that understands regional building codes, climate conditions, and proper roofing standards.
- Don’t Seek Multiple Quotes: There’s no need to get multiple quotes from a roofing contractor, because all estimates for the damage will come directly from the insurance companies.
- Avoid the Cheapest Option: Extremely low estimates often reflect poor workmanship or the use of subpar materials, which can cost more in the long run and may not meet insurance standards.
- Homeowners Must Pay the Deductible: It’s important to remember that a roofing company cannot legally pay your deductible for you. If this is offered, this could be considered insurance fraud and put you at legal and financial risk.
- Do Not Sign Anything Before a Full Professional Roof Inspection: Always insist on a thorough inspection before signing contracts or committing to any repairs to ensure accurate damage assessment.
Why Trust Larson & Keeney Home Services for Your Roof Repair and Insurance Claim Needs
At Larson & Keeney Home Services, we understand how overwhelming roof damage and insurance claims can be. That’s why we specialize in both expert roofing and claim assistance, helping homeowners recover quickly and fairly.
With years of experience in navigating insurance processes and repairing storm-damaged roofs, our local roofing replacement services in Kenosha, WI, serve to protect your home and peace of mind. We’ll advocate on your behalf, ensure proper documentation, and restore your home with craftsmanship you can trust.
Roof Insurance FAQ
1) How does the age of my roof affect my insurance coverage?
A roof that is nearing or has exceeded 20 years of age is typically only partially covered or not covered at all by homeowners’ insurance.
2) Will insurance pay for a full roof replacement or just repairs?
Whether insurance pays for a full replacement or just repairs depends on the type of policy and the extent of the damage.
3) How do insurance companies assess roof damage claims?
Insurers inspect the damage, determine the cause (i.e., storm or age), and assess the repair and replacement needs based on your policy terms.
4) Does my deductible apply to roof repairs or replacements?
Yes, your deductible must be paid before your insurance covers any roof repairs or replacements.
5) Can I choose my own roofing contractor for insurance-covered work?
Yes, you can choose your own roofing contractor, even if the insurance company suggests their own preferred companies.
