It is the worst nightmare for many homeowners. A storm blows through, and your roof takes the brunt of the damage from wind, hail, or worse, a fallen tree or tornado. This scenario is all too familiar for residents of Mid-Missouri. Sometimes the damage can be so severe that your roof no longer protects your home and family. Many homeowners are left wondering, “will insurance replace my roof?” 

Document Roof Damage ASAP

Once it is safe to go outside, be sure to document the damage to your roof thoroughly. You will need several photos of the exterior of your home. You will also need to document any damage to the interior of your home due to roof damage like leaks or cracks in the ceiling or walls. If you are not comfortable getting up on a ladder, you can call in a roofing professional to perform a roofing inspection and they can do a complete survey of the damage. Before you schedule any work to be done, check into your homeowner’s insurance policy to see what kind of coverage you have for roofing replacement or repair. 

Hire a Reputable Roofing Company

When you’re dealing with a roofing issue that warrants making an insurance claim, you want to feel confident that you are working with professional roofers. If your insurance company can find any reason to deny your claim, they will. By having certified roofers help you document the damage and make an assessment, your chances of having your roof covered increase. 

Understanding Your Insurance Coverage

Take some time to dig into what your homeowner’s insurance covers for roofing repairs and roofing replacements. You won’t know whether you need your roof repaired or replaced until you have it inspected by a roofing professional, but it’s important to be familiar with your coverage. Some homeowners insurance will reimburse you for a specific percentage of the repair costs. If you need a roof replacement, insurance must deem that your roof is damaged beyond repair and the only solution is to replace it. 

Will Insurance Replace My Roof? 

It is hard to be certain whether or not your specific insurance policy will cover a roofing replacement since there are plenty of exceptions and limitations that come along with the question, “will insurance replace my roof.” The amount of damage may also be a factor in whether or not your insurance will cover a full roofing replacement or just the necessary repairs. 

Weather Related Damage

Not all types of roof damage is covered by insurance, but weather-related damage is often likely to be covered. Again, this will depend on your specific policy, but some of the most common types of covered “perils” related to weather are damage caused by:

  • Tornadoes
  • Windstorms
  • Hail
  • Hurricanes
  • Lightning strikes
  • Weight from rain, ice, or snow

If the damage from one of these weather events is severe enough, you may be able to get a roof replacement covered by insurance.

Normal Wear and Tear

Maintenance issues typically are not covered under homeowners insurance. Roof maintenance is the responsibility of the homeowner, and if this is neglected, the resulting damage and repairs will likely be coming out of your pocket. For example, if you fail to replace a few damaged shingles and it causes other damage to your roof and home, your insurance may say you are at fault. 

Pest Damage

Squirrels can wreak havoc on your roof. Similar to the normal wear and tear, this is something a homeowner is responsible for preventing. As soon as you notice damage from squirrels or other types of pests, you should take the necessary steps to put a stop to it. However, if pests cause sudden damage, for example, a squirrel chews through an electrical wire, you may have coverage. The chance of needing a total roof replacement from pest damage isn’t likely.

Ice Dams

Ice can be bad news for your roof. When too much ice accumulates, it can form barriers around your gutters, cause water to overflow, create a leak, and potentially cause your roof to collapse. A roof replacement may be covered in the event of a collapse, but if damage occurs to the interior of your home, that may not be covered. 

Contact Manor Roofing Today

If you need a roofing inspection, roof repairs, or a roof replacement, Manor Roofing has a team of skilled professionals ready to assist. We have experience working with insurance adjusters to help you make an insurance claim accurately and quickly. Contact us today if your roof has been damaged.