Is Roof Repair Covered by Insurance?

If you suspect that roof repairs are in order, contact local roofers to have them do an inspection for you. But before signing a contract, check with your insurance company to see if your insurance will cover any of the repair costs. Either way, you’ll need to have the repairs completed to avoid more costly home repairs or a premature roof replacement in the not-too-distant future. But if your insurance can cover some or all of the costs of the repair, your personal finances will thank you.

It Depends on What Caused the Damage

Every insurance policy is different, so you’ll need to review your policy or talk to your insurance agent. With the majority of policies, whether or not the repairs are covered depends in large part on what caused the damage.

Typically, damage caused by extreme weather events is covered, at least in part. For example, if your cedar shake roofing was pelted by epic hail, repairs are likely covered by your insurance. Or if your asphalt shingle roofing doesn’t look quite right after a windstorm, repairs to any damage that’s discovered are also probably covered.

It’s important to get a roofing company to come take a look at your roof after a significant weather event. That’s because you may not be able to see the damage to your roof until it’s too late, such as when you discover damage to your attic caused by unknown leaks. A professional roofer knows what to look for and can identify issues that need to be addressed right away and pinpoint which ones your insurance may cover.

Another case where some or all of the repair costs may be covered is a tree or tree limbs falling on your roof. Damage done to the roof by fire is usually covered, although how the fire started may factor in.

Find Out How Much Protection Your Policy Includes

Even before a huge storm hits, it’s a good idea to review your policy and find out what type of coverage you have for your roof. If you can’t find your policy, or if anything is unclear, contact your insurance agent for assistance.

Remember that you have a deductible, so part of the repair costs will be paid for from your own pocket. If your deductible is $1,000, for example, and the roof repairs cost $3,800, then you save $2,800, which is a significant amount of savings.

What To Do if You’re Not Sure

There are many factors that go into what’s covered and what isn’t. If you’ve recently had repairs, any new repairs from a new event may or may not be covered, and you’ll need to check beforehand with your insurance company. If the total repairs cost less than your deductible, then your insurance company will not contribute to the cost of repairs. However, it’s always a good idea to consult with your agent because if any of the costs can be covered, your finances will benefit.

As roofing contractors serving Villa Park, Naperville, Downers Grove, and many other neighborhoods in the greater Chicago region, we have the expertise to complete roof repairs on a full range of roof types. We are happy to work with your insurance company to coordinate efforts. Don’t delay roof repairs — call Adept Construction today!

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