It is important for homeowners to know that they can utilize their homeowner’s insurance to help them cover the cost of roof repair or replacement. In some cases, this may even be done at no cost to the homeowner. In this blog, we will discuss why checking if your roof repair/replacement is covered by insurance is important, what is usually covered by insurance on your damaged roof, and how to determine if you are 100% covered.
What on My Roof is Usually Covered by Insurance?
Typically, homeowner’s insurance policies will cover damage caused by natural disasters or accidents such as hail, wind, and fallen trees. It is important to note that the coverage may vary depending on your policy, so it is best to review your policy or consult with your insurance agent to determine what is covered.
Hail Damage – One of the most common types of damage that homeowners experience is hail damage. Hail can cause significant damage to shingles, causing them to crack or puncture. In some cases, the damage may be so severe that the entire roof needs to be replaced. Homeowner’s insurance may cover the majority of the costs, and you only have to pay a small deductible out of pocket.
Fallen Trees – Another type of damage that is commonly covered by homeowners’ insurance is damage caused by fallen trees. Strong winds or heavy snow can cause trees to fall onto your roof, causing significant damage. If you recently had a tree fall onto your roof during a storm, your homeowner’s insurance may cover the majority of the costs and get your roof repaired without having to pay a significant amount out of pocket.
It’s important to note that every insurance policy is different and what is covered may vary. However, these anecdotes provide examples of the types of damage that are typically covered by homeowners’ insurance and can help homeowners understand the potential costs of repairs or replacement. If you’re unsure about what is covered under your insurance policy, be sure to contact your insurance agent or Standard Roofing and Restoration for guidance.
Let’s See if You Are Covered!
If you suspect that your roof has damage that may be covered by your homeowner’s insurance, it is important to contact a roofing professional to assess the damage. Standard Roofing and Restoration offers a free consultation where one of our experts can inspect your roof and provide guidance on whether your repair or replacement may be covered by your insurance.
Don’t wait until it’s too late! Contact Standard Roofing and Restoration today to schedule your free consultation and determine if your roof repair/replacement may be covered by insurance.