Are Roof Repairs Covered By Homeowners Insurance?
Quick (momentarily vague) answer: It depends on the cause behind the repair.
Roof leaks that didn’t occur from sudden damage, instead accumulating over a number of years, typically fall to the homeowners for maintenance (or lack thereof). So, if you have a 15-year-old roof experiencing a leak after a recent storm, but there’s no evidence of a limb puncture, wind or hail damage, it may not be covered.
However, most types of roofing storm damage by unforeseen or unpreventable causes – heavy winds, hail, hurricanes, lightning, fallen limbs, and tornadoes, for instance – are covered by homeowners’ insurance.
If you’re unsure whether your roof damage is caused by a storm or if it’s general wear-and-tear, here are three quick tips:
– Have a local, licensed and insured roofing contractor inspect your roof.
– Review your insurance coverage.
– Contact your insurance company to confirm what is and isn’t covered. If they determine it to be storm damage, you may need to schedule an adjuster to assess the problem area.
If you’re local to Richmond, Retex is here to help. We provide complimentary roof inspections for storm damage, repairs, and replacements. Call us at 804-258-6300 to schedule your appointment today.
