Can I claim roof damage on insurance?

What roof damage is covered by insurance?

Springtime in Texas bring flowers, green grass, and trees in bloom. It also brings serious weather events like hailstorms, heavy rains, high winds, and tornados. With all of that, it brings an increase in roof insurance claims. It also leaves many homeowners not filing a roof insurance claim because they aren’t clear on what is covered. Or they have a fear of it raising their already high premiums. 

We mentioned before about reviewing your policy on a regular basis and what you don’t understand, call your agent. Everyone’s policy is different and simply because a neighbor or family member roof insurance claim was denied, or their policy canceled, doesn’t mean that will happen to you. A leak in roof, insurance claim is your right to file, but yes, you should have a clear understanding what your policy covers. 

A damaged roof is bad enough, but if it isn’t taken care of, further damage can occur with your home. This is why getting roof damage repaired as soon as possible is critical and every insurance company that offer homeowner’s insurance take roof insurance claims seriously. 

Most home insurance policies have roof covered for damages caused by “acts of God” , fire, and vandalism. The “acts of God” include natural disasters like hailstorms and high winds associated with and not associated with hurricanes, and tornadoes. Whether they will pay for damage caused by wind, rain or hail is determined by your policy and your roof’s age.

So what do they pay for insurance roof claims for hail damage? It all depends on the type of coverage you have.  There are two types of coverage: 

  • ACV – actual cash value
  • RCV – replacement cost value 

Then when it comes to the age of our roof, a roof that is 10 years old or less, your roof insurance claim will be more likely to pay for full replacement.  For a roof that is older than 10 years, your roof insurance claim will be honored for the present value amount. This means they will take the expense of a new roof today, deduct an amount for the age of the roof, and that’s the amount your  roof insurance claim check will be made. 

Does insurance cover ceiling collapse?

In most homeowner’s insurance policies, a collapsed ceiling will be covered, under most circumstances. A home that was built during a specific time frames are known to be prone to a ceiling collapse in the insurance industry. While you’ll have to pay a deductible out-of-pocket, just as you would with any roof insurance claim or other claim, you can rest knowing that your personal items and everyone living in your house will be covered by your homeowner’s insurance. Three key factor about your homeowner’s insurance you should keep in mind: 

  • Whether you feel it is worthy of filing an insurance claim or not, you need to advise your insurance company of the ceiling collapse because structural damage can affect future roof insurance claims or other types of claims for your home. This incident may be covered under your coverage limit for total repair and/or replacement.
  • Any long-term structural damage could lead to collapse is typically covered by most standard homeowner insurance policies.
  • The overall coverage of your homeowner’s insurance will typically equal 10% of the total home replacement cost, there are usually specific limits to the different types of property.

Should I call insurance or roofer first?

That question can be answered with other questions:  Who is going to physically repair or replace your roof? Who can stop it from leaking right now?  Your insurance company or a roofing contractor? 

The answer to those questions is the roofing contractor.  They are the ones that will make stop any immediate leaks if possible. This is who will make any repairs or install the replacement roofing. The insurance company is the one that will process, inspect, and deny or pay your roof insurance claim.  

It will be more beneficial to you to call a roofing contractor first because they are going to be on your side. Most roofing contractors are acclimated to working with insurance companies in assessing the damages for roof insurance claims. An experienced roofing company will have a person on staff that can help you through the roof and siding insurance claim process, making it easier for you to understand the process and what to expect.         

Does insurance pay for replacing old roof?

As we covered earlier, a homeowners insurance policy will either have ACV or RCV coverage for any damage incurred by ‘acts of God’, fire, vandalism, or sudden accident. However, where your insurance company won’t pay to replace your old roof is when it is in need because it is at the age of replacement, it has gradual deterioration from normal wear-and-tear, has been neglect of basic homeowner maintenance responsibilities, or you simply want a new roof.

Here in Texas, springtime weather has already begun. It isn’t too late to get your homeowner’s insurance policy out and review what your coverage offers or call your agent today. Knowing before you need it will make it easier when you do need to file a roof insurance claim. Need help with your roof in Dallas, TX? Call 214-321-3293 today!