Roof Damage Insurance Claims After a Storm

No one ever plans for roof damage, but sometimes it’s out of your control. When bad weather hits, you may find yourself facing leaks, damaged shingles, holes, or even a full collapse.

In the case of roof damage, there’s no time to waste. A damaged roof can lead to larger problems that may require significant time, attention, and money to remedy. If you are facing roof damage from storms in Ogden or Brigham City, the time to seek help—and file an insurance claim—is now.

What kind of damage does homeowner’s insurance cover?

As a large part of the structure of a home, the roof is generally included under dwelling coverage in most insurance policies. However, the extent to which it is covered will often depend on the exact specifications of the policy. The most commonly covered claims caused by  weather include:

  • Hail Damage
  • Fire Damage
  • Wind Damage

There are many other weather-related issues that could be covered by your insurance company. For example, if a tree falls on your roof because of a storm, or heavy snow causes your roof to collapse, your homeowner’s policy may cover the cost.

Some policies do have wind and hail exclusives, so be sure your policy covers the most common forms of weather-related damage.

How long do you have to file an insurance claim for roof damage after a storm?

If you are facing roof damage caused by a storm or other natural disasters, it is best to act as soon as possible. The sooner you make a claim or get in touch with a contractor for an estimate, the sooner you can proceed with repairs and go back to your everyday life.

The actual length of time you have available to make an insurance claim will vary significantly from one policy to another. Some companies want a claim filed within as little as 30 days, while others may allow for a claim for as long as a year. If you are unsure, the safest option is to call your insurance provider and ask what the requirements are for filing a claim on a damaged roof due to inclement weather. Taking immediate action after the damage has been discovered is important, because if your claim is filed late you may risk the claim being denied.

What do I need to know about my roof to guarantee coverage?

If you think you’re in the clear because a bad storm swept through, think again. Many homeowner’s insurance policies require proper maintenance and care of your roof to successfully process a claim.

Instead of ignoring your roof and hoping insurance will fix it if storm damage occurs, make your roof a priority. Ensure you are taking care of your roof with regular maintenance. If an insurance company notices that a roof has been improperly maintained, this can violate a claim. Note the materials of your roof as well; more expensive roofing materials, like slate, may also be excluded from a standard policy. The age of your roof might also be a point of contention, as an insurance company is unlikely to pay for repairs for a roof that’s 20 years old.

Get the help you need today!

If your home has been affected by mother nature, you are not alone! SRD Roofing provides reliable roofing repair and roofing replacement to help get your home back to its original state as quickly and painlessly as possible. We can also assist you in how and when to file an insurance claim. Contact our trusted team today for a free roofing estimate, and let us make the changes your property deserves!

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