Does Homeowners Insurance Cover Roof Damage? 🏡🔨
When a storm hits or unexpected damage appears, one of the first questions homeowners ask is, “Does homeowners insurance cover roof damage?” It’s an important question—and one that could save you thousands of dollars. At RHS Roofing, we’re here to break it down for you!
Understanding Homeowners Insurance and Roof Coverage
Homeowners insurance typically covers roof damage, but it depends on the cause of the damage and your specific policy. Most standard homeowners insurance policies cover roof repairs or roof replacement if the damage is due to a sudden accident or natural disaster like:
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Hailstorms
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Heavy winds
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Falling trees
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Fire
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Vandalism
If your roof damage results from normal wear and tear, neglect, or improper maintenance, homeowners insurance usually won’t cover it. Insurance companies expect homeowners to maintain their roofs properly.
What Roof Damage Is Typically Covered?
When you file a claim for roof damage, your insurance company will investigate to determine if the cause of damage is a covered peril. Here are common scenarios where homeowners insurance may help:
✅ Wind damage tearing off shingles
✅ Hail damage cracking roof tiles
✅ A tree falling on your roof
✅ Fire-related roof damage
If your policy includes replacement cost value (RCV), the insurer could pay for the entire cost to replace your roof after approved damage. If you have actual cash value (ACV) coverage, they might only pay the depreciated value of your roof.
👉 Tip: Review your policy details or contact your insurance agent to understand exactly what’s covered!
What Roof Damage Is NOT Covered?
Unfortunately, not all roof problems qualify for an insurance claim. These types of roof issues are usually not covered:
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Old age or general deterioration
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Improper installation or low-quality materials
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Damage due to neglect (like ignored minor leaks that become major problems)
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Cosmetic damages that don’t impact roof functionality
Keeping up with regular roof inspections and maintenance is essential to avoid being denied a claim.
How To File a Roof Damage Insurance Claim
If you suspect your roof has sustained storm or accident-related damage, follow these steps:
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Inspect the roof safely (or hire a professional roofer like RHS Roofing).
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Document everything — take photos of visible damage.
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Contact your insurance company to start the claim process.
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Schedule an inspection with your insurance adjuster.
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Get an estimate from a trusted roofing company to compare with the insurance payout.
At RHS Roofing, we help guide you through the insurance claim process and can even meet with the adjuster to ensure everything is properly assessed!
Why Choose RHS Roofing for Your Roof Repairs or Replacement?
When dealing with roof damage, you want a roofing company you can trust. RHS Roofing brings:
⭐️ Over 30 years of experience
⭐️ Lifetime warranty on craftsmanship
⭐️ Honest inspections and guidance
⭐️ Fast, high-quality workmanship
⭐️ Financing options—even if you have bad credit!
We proudly serve the entire Phoenix Valley, including Gilbert, Queen Creek, Chandler, Mesa, and surrounding areas.
Ready to Protect Your Home? 🏡
If you’ve experienced roof damage or simply want a professional roof inspection, RHS Roofing is here for you. We’ll help you understand your homeowners insurance coverage and get your roof back in top shape—without the stress.
📞 Call us today for your FREE roof inspection: 480-490-3532
🌐 Visit us online at rhsroofer.com
RHS Roofing — Built to Last. Backed for Life.