What Kind of Roof Damage Is Covered by Homeowner Insurance?

Your roof is an essential part of your home, so to keep everything in your dwelling safe and protected, your roof needs to be in good working condition. Of course, the unexpected can occur, and if that results in damage to your roof, you may be wondering if the cost to repair it will be covered by your Florida homeowner insurance.

Roof Damage Covered by Florida Homeowner Insurance

You may think that your homeowner insurance is in place to pay for any and all damages that happen to your home, but this isn’t always the case. Depending on the type of policy you have, not all damage that your dwelling sustains will be covered. When it comes to roof damage, some of the items that are covered include the following:

Fire, Wind, and Hail Damage

Most insurance policies will pay for roof repairs if the damage was the result of a fire, high winds, or hail. Should a tree fall into your roof during a hail or windstorm, your insurance should cover that damage as well.

Keep in mind that in many cases, you will probably be expected to pay a deductible before your insurance will kick in, and you may also have coverage limits. This means that if the cost to repair your roof goes beyond that limit, you’ll be expected to pay for the extra cost out of your own pocket.

Roof Leaks

In addition to major damage that might impact your roof, it’s also possible that your homeowner insurance will also cover leaks—especially if those leaks are the result of a fire, wind, or hail.

Filing an Insurance Claim

If you find that your roof has been damaged by one of the items listed above, to get the insurance company to pay for the repairs, you’ll need to file a claim. Here’s how that works:

Call Your Insurance Company

Let your insurance company know what happened and when. Calling as soon as possible is in your best interest to reduce further damage to your home and everything inside.

Wait for the Inspection

After you call the insurance company, they will send out an inspector to take a look at your roof. They will either approve your claim or let you know that they don’t see any damage.

Look for a Local Roofing Contractor

If your claim is approved, you’ll then need to start looking for a local roofing contractor. It’s a good idea to look for someone who has experience doing repairs for insurance claims. You might ask your insurance company if they recommend anyone, or you can do a search online to find what you’re looking for.

Get Your Roof Fixed

After finding a roof contractor who is able and willing to repair your roof, you’ll get the work scheduled so that your roof can be fixed.

If roof damage occurs to your home, you may be wondering what is covered by insurance. Typically, any damage caused by fire, wind, or hail is covered. For questions about this or anything else insurance related, contact Absolute Choice Insurance today.


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