Roof Damage and Insurance: Will Your Policy Cover Repairs?

Roof damage often happens when you least expect it, such as after a strong storm or from fallen debris. When your roof takes a hit, the big question is: Will your homeowners insurance step in to help cover the cost of repairs?

Does Homeowners Insurance Cover Roof Damage?

In many cases, the dwelling coverage in homeowners insurance may cover roof damage. Most standard policies include coverage for sudden and accidental damage caused by hail, wind, fire or fallen trees. However, damage due to lack of maintenance, age or general wear often isn’t covered. Roof leaks can be tricky. If the leak results from a covered event—like a windstorm that tore off shingles—your policy may help pay for repairs. But if the leak stems from old, worn-out materials or poor upkeep, coverage is less likely.

What Can I Do to Prevent Roof Damage?

Keeping your roof in shape can help avoid costly repairs and possible claim denials. Consider the following simple tips:

• Schedule regular roof inspections at least once a year.

• Remove debris from gutters and downspouts.

• Trim nearby branches that hang over your roof.

• Replace missing or damaged shingles right away.

• Check your attic for signs of water damage or leaks.

• After a major storm, inspect for visible damage from the ground.

Proactive maintenance can extend your roof’s life and reduce the risk of damage your policy might not cover.

We’re Here to Help

Contact Sonoran Insurance LLC in Phoenix, Arizona, today to learn more about homeowners insurance coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.