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Does My Insurance Policy Cover Roof Damage?

The best way to know what’s covered by your insurance policy to, is to contact your insurance provider. Galaxy Builders does offer assistance and education about how to go about coordinating filing a claim and dealing with insurance companies. Coverage depends on many factors including the age of your roof, the area you live in as well as many other factors. The details of your policy are important as not every policy is created equally.

Most Insurance Policies Cover Unpreventable Reasons:

  • Vandalism
  • Fire
  • Natural Disasters
  • Hurricanes
  • Tornadoes

Wind, Rain and Hail Insurance Coverage:

Wind, rain, and hail are typically covered by a home insurance policy but there are many factors that determine if your damage will be covered and the amount of reimbursement.

Coverage may apply to your exterior property as well including windows, siding and gutters. Insurance companies may evaluate your roof and provide reimbursement for the cost to replace the value of the roof prior damage while others can provide better coverage. If your roof is over 10 years old, you may only be reimbursed for the depreciated value of the damaged roof.

Water Damage and Mold Insurance Coverage:

Water damage due to flooding or surface water, might have to be covered under an additional policy. Mold caused by continued water damage or leaking, for example, also may not be covered by your insurance policy.

It is important to prevent leaks and keep proper maintenance of your home to prevent potential damage. If you are experiencing leaking due to a damaged roof, promptly remove any furniture or other belongings that could sustain water damage.

Ensure Your Roof is Properly Assessed:

Get your roof inspected by a trained professional who can identify areas that may need immediate repair.

  • Replace broken and worn shingles.
  • Remove any dead trees from around your property that could potentially fall onto your home.

Insurance Claim Recommendation

  • To help you receive proper settlement for your loss, take a set of before photos of your roof and exterior property.
  • Update the photos whenever you have maintenance or repairs done.
  • After damage occurs, take a set of after photos. Document and record the damage as well as any estimates, invoices and bills you receive.

Having all of this information on file will help ensure a smooth and hassle-free claims process.

If you have had damage to your roof, windows or home and think you may be eligible for an insurance claim against the damage, please feel free to contact the Galaxy Builders team for our additional insights and recommendations.

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