With the recent run of bad weather in the United States, a new question has come to the forefront of many homeowner’s minds: Does my homeowner’s insurance cover roof damage? This question spawns one of the most common issues in the insurance issue today. The single most common homeowner’s claims are for roof damage related to storms. Insurance companies employ countless adjusters, many of whom are specifically trained to respond to roof damage claims. Almost all policies provide coverage for roof damage from unforeseeable events such as vandalism or fire, but they may exclude damage from rain, wind, or hail. As a homeowner, it is vitally important that you are aware of your coverage amounts and types.


The first step in determining if your homeowner’s insurance covers roof damage is to check your policy or speak to your insurance agent. Make sure that you know the specifics of your policy. Many geographic areas will have coverage plans specific to the particular weather of the area. They may cover or withhold coverage specific to things like tornadoes, earthquakes, or hurricanes. Barring these events, you should know whether your policy will provide for roof damage from certain events, and determine what sort of event may have led to your claim. If you can see your own roof, you can determine what sort of damage you may be facing before having an adjuster out. Hail damage may present as dimpling or as discolored smudging. Wind damage is evidenced by missing shingles or by the lifting of several shingles along the intentional lifting of one.


If you do make a claim for roof damage, an adjuster will likely be sent to your home. He or she will do a thorough walk around of your roof and examine it for damage. If no damage is found, the homeowner will not be penalized. In this event, if the homeowner is certain that there is roof damage, he or she may appeal the findings of the adjuster and ask for a new inspection to be performed. If the roof is deemed partially damaged, a check is often issued to the homeowner. If the adjuster deems the roof be fully damaged and the damage is covered by the insurance, the insurer will typically cover the cost of replacing the roof in its entirety.