5 Roofing Damages That Insurance Covers

When disaster strikes your roof—a powerful storm, a fallen tree, or an unexpected leak—the resulting damage can be stressful and complex. While your homeowners insurance policy may cover various roof repairs, the insurance claims process can have confusing (or easy to miss) fine print. That said, you can simplify the process and ensure you receive the benefits you deserve by seeking guidance from roofing professionals who can help you every step of the way.

Homeowners in Frederick, MD, seeking reliable and timely roof repairs can trust Roofsimple to deliver exceptional service. We understand that navigating home insurance can be puzzling, so we not only perform expert repairs but also guide you through the complexities of insurance claims. For top-notch roofing services, from metal to slate roof repair and more, call Roofsimple at (540) 692-3808 today.

Below, we provide a non-exhaustive list of damages typically covered by homeowners insurance:

1.) Storm Damage

Storm damage from hail, wind, heavy rain, lightning, or otherwise, can be cause for emergency roof repair. According to standard policy terms, homeowners insurance usually covers such damage, as it’s considered sudden and unexpected. This coverage helps protect you from costly roof repairs or replacements after a storm. That said, you should regularly review your insurance policies to ensure you have adequate protection from potential storm-related damages.

2.) Falling Objects

Falling objects, such as tree branches or debris striking the roof, can also cause unexpected and costly repairs. Since falling object damage is categorized as accidental, this coverage helps homeowners manage the financial impact of repairing or replacing their roofs. However, coverage may depend on factors like the roof’s condition and the cause of the falling object.

3.) Fire Damage

Fire damage can be devastating, often necessitating a partial or full roof replacement. Fortunately, homeowners insurance generally includes coverage for fire damage, as it’s considered a catastrophic event under most standard policies. Pending any exclusions, this protection helps shield homeowners from the costs associated with repairing or replacing a fire-damaged roof.

4.) Water Damage

Water damage, often caused by leaks or prolonged moisture exposure, can lead to serious structural issues and mold growth if not addressed promptly. Insurance may cover water damage if it results from a sudden and accidental event, like a burst pipe or storm, but it typically excludes poor maintenance or gradual wear and tear, emphasizing the importance of regular roof inspections and maintenance.

5.) Hail Damage

Like storm damage, hail damage can result in significant roofing issues, such as dents, cracks, or missing shingles. Homeowners insurance generally covers hail damage, another sudden and unexpected event most standard policies include. To ensure proper protection, confirm that hail damage is explicitly covered, as coverage can vary depending on the insurer.

Roof Damage Insurance May Not Cover

While most homeowners insurance policies cover the common roofing damages above, there are certain circumstances where coverage may be limited or denied. For example, insurance typically doesn’t cover normal wear and tear, damage from lack of maintenance, or intentional damage.

Additionally, policies may exclude flood, earthquake, or insect damage coverage. Homeowners must review their specific insurance policies to understand their coverage limits and exclusions and prevent unnecessary roof damage.

Roof Repair and Insurance Claims Guidance in Frederick, MD

The specific terms and conditions of your insurance policy vary, so review your policy carefully and consult your insurance agent to understand your coverage limits and exclusions. For Frederick, MD, residents, Roofsimple’s experienced technicians offer high-quality roof repairs, gutter and window replacements, siding installations, and more, alongside courteous service and knowledgeable solutions. Learn more about our insurance and roofing services by calling (540) 692-3808 today.