Will Insurance Cover Storm Damage to My Roof?

By Precision Roofing Team Angel Rodriguez

When severe weather strikes Coastal Georgia, your roof takes the brunt of it. If your roof sustains damage from high winds, hail, or falling debris, you're likely wondering: "Will my homeowner's insurance cover this?"

The Short Answer: Usually, Yes

Most standard homeowner's insurance policies cover roof damage caused by "unpreventable perils" like sudden storms, wind, hail, and fire. If a tree falls on your roof during a storm, the repairs (or replacement) are typically covered.

What Isn't Covered?

Insurance companies generally will not cover damage resulting from:

• Age and Normal Wear and Tear: If your roof was already 25 years old and failing before the storm, the insurance company may argue the damage is due to age, not the storm.
• Lack of Maintenance: If a minor, preventable leak was ignored for years and caused major structural damage, that might not be covered.

The Claims Process

If you suspect storm damage, follow these steps:

1. Get a Professional Inspection First: Before calling your insurance company, have a reputable roofing contractor like Precision Roofing inspect the damage. We can document the damage with photos and provide an expert assessment to support your claim.
2. Review Your Policy: Understand your deductible and coverage limits.
3. File the Claim: Contact your insurance agent to initiate the process.
4. Meet with the Adjuster: We can often be present when the insurance adjuster evaluates your roof to ensure all damage is properly noted.

Don't navigate the insurance maze alone. Contact us today for a free post-storm inspection!