What Does Roof Insurance Typically Cover?

workers providing a roof replacement

The Basics of Roof Insurance 

A roof is a key part of a home, providing aesthetics and protection. It also takes a lot of abuse, especially here in and around the Ft. Worth Texas area. And as much as we like to think we are covered when it comes to filing claims, how to file a roof insurance claim and how roof insurance claims work can be confusing. So, when a hailstorm or high winds come through, leaving damage behind, roof insurance claims help is often needed by homeowners.

Let’s talk about what is covered in a typical homeowner’s insurance policy. Like, just what kind of roof damage is covered by insurance? Most homeowner insurance policies provide coverage for these types of perils:

  • Fire
  • Hail
  • Ice and snow damage
  • Lightening
  • Wind
  • Falling objects

Does homeowner’s insurance cover wind damage to a roof?

Yes, a homeowners insurance policy typically provides coverage for wind damage. If you experience wind damage to your roof, calling your insurance company or your agent for roof insurance claims helps in clarifying what your deductible will be and how much they cover is recommended. In most cases, the dwelling coverage of a homeowners insurance policy will provide compensation that helps toward the cost of repairs or replacement to the roof, siding, and windows. 

Your policy will have the coverage provided for wind damage stated, but there are issues that could keep them from paying these types of roof insurance claims. Help from your agent is suggested before you need to file a claim to make sure you have a clear understanding of what is covered and what may have a wind damage claim denied. You may need to increase your coverage so that you’re not caught with the unexpected full responsibility of replacing your roof.

Certain things that can cause an insurance claim to be denied are things like the roof’s age, maintenance and upkeep neglect, and unresolved previous repairs. To get the most from your homeowner’s insurance policy, follow through with any maintenance and repairs as needed, even if it isn’t worthy of filing an insurance claim. Like a loose gutter, one loose shingle, etc. 

 Will insurance cover a 15-year-old roof?

Depending on the type of roofing material and the weather, a roof will typically have a lifespan between 20 years and 100 years or longer. For example, an asphalt shingle roof will typically last up to 20 years, whereas a metal roof may last over 100 years. When it comes to whether your insurance company will pay for any claims, it is the insurance adjuster’s scrutiny and decision. 

This means as the roof ages, your roof insurance rates will increase because it becomes more likely to be worn out and easier to be damaged. This also means the coverage your insurance provides will decrease too, because of the same reason. 

These numbers of insurance cost and coverage typically start showing up at the 10-year mark and by the 20th year, it has a more dramatic change in those amounts. This is why regular roof inspections by a professional roofing contractor are recommended. They can provide you an overview of the roof’s health, make any maintenance and repairs needed that will keep your roof healthy, keep your insurance premiums low, and keep you from needing roof insurance claims help. 

Does homeowner’s insurance cover roof replacement?

It will depend on the circumstances, and that is usually what creates the need for roof insurance claims help from your agent in understanding the coverage provided in your policy. Damage is typically covered by a homeowner insurance policy for damage caused by covered perils, although every policy can vary and some may exclude certain perils. 

If your roof needs to be replaced because of severe weather or unexpected acts of nature, except for flooding, your policy likely will provide coverage. Where the “but” comes into this equation, is how well you’ve kept the roof maintained and the age of the roof. 

Can you keep insurance claim money for a roof?

Ahhh, the temptation of taking that money and going on a cruise! If, and this is the big kicker, you are given a check from the insurance company for your roof insurance claims, help yourself using the money that it was meant for: repair or replace the roof! 

If you have a mortgage on the house, the check will be made out to you and the mortgage company in most cases. They will release the check when you show proof the roof has been repaired or replaced. They may even send somebody to take pictures of the end results. 

If you don’t have a mortgage, you’ll get the check, but again, use any roof insurance claims, help yourself and get the work done. What if you don’t? Well, next time you have an insurance claim, the insurance company will factor in previous claims, and if the work wasn’t done, they will most likely deny future claims. 

Then, you’ve spent that money and need to come up with thousands of dollars to repair or replace it now, out of pocket. There is always the chance they may cancel your policy too, noting the homeowner was irresponsible and neglected the roof. So, before you book that cruise or order that new car, think about possible repercussions. 

insurance adjuster inspecting a roof

Topping It Off 

Well, you’ve paid premiums for years and now you have an aged, old, or maybe even a damaged roof. So, how to get a free roof from insurance? Well, the first thing to consider is that you’ve been paying premiums all this time, so it really won’t be free, right? But can you get your roof replaced without paying any money out-of-pocket? 

Yes, keep your roof maintenance intact. If it needs a minor repair, like replacing a shingle or two, or reattaching them, do it then. Don’t let it ‘slide’ for now because the next storm could rip that shingle and others off, and you’ll have a major roof repair or need replacement. 

Yes, the insurance adjuster will come to inspect the situation, and yes, they can tell if there has been a loose or missing shingle before the storm. And yes, it could affect what your policy will pay. If your claim is denied or they don’t pay what you feel is enough, you should call your insurance agent for roof insurance claims help, and if it is your fault, like neglect, they can explain this to you. 

Next, be wary of roof replacement insurance scams. When storms have gone through an area, it is common for all these roofing experts to come through and convince a homeowner they can get their roof repaired or replaced with money left over. Chances are that if you have a valid roof insurance claim, every penny of it will go toward the cost. If anything, you’ll be out the amount of the deductible, but the roof work will be paid in full hopefully.