Roof Damage & Homeowners Insurance: What's Covered?

- 4/27/2020

After a recent  destructive hurricane season, residents of Hawaii are more curious than ever about what they can expect from their insurance company if they suffer roof damage. Although homeowner’s insurance policies vary, there are some general guidelines that can help you determine whether your company is likely to approve your roof damage insurance claim. Here’s what you need to know.

The Type of Roof Damage Matters
The circumstances that caused your roof damage will make a big difference in whether or not it’s covered. The  dwelling coverage  portion of your homeowner’s insurance policy typically covers roof damages caused by perils like fire, hail, and strong winds. However, some policies include exclusions for damage from specific perils like hurricanes. If the damage to your roof was caused by lack of maintenance or normal wear and tear, you might find yourself in a sticky situation. In this case, there’s a good chance that the insurance company will decline your claim and you’ll end up having to cover the entire bill.

Deductibles and Limits Will Apply
If your roof damage insurance claim is approved, remember that you’ll still have to pay the deductible that’s outlined in your insurance policy. Your policy will also specify a limit on the amount of money they’ll pay for the damages. If you own a home, it’s always a good idea to keep some emergency cash on hand to cover these types of expenses.

You’ll Have to File Correctly
If you want to increase your chances of getting approved and make sure things happen quickly, you’ll need to follow the right filing procedures. Here are four of the most important things to do.

1. Call the Insurance Company Right Away
As soon as you know about the damage, call your insurance company. They’ll send an inspector out to take a look and initiate the claims process.

2. Gather Up Your Important Documents
Make sure you’re prepared by gathering up your current homeowner’s insurance policy, documentation of any work you’ve had done, and any home inspection reports. Having this information on hand will help speed things up.

3. Don’t Take No for an Answer
If your claim isn’t approved right away, you still have options. Contact your insurance company and insist that they provide a second opinion from another adjuster. The more persistent you are, the higher the chance that you’ll get a positive result in the end.

4. Find a Great Roofing Repair Company
Working with a reputable roofing repair company will ensure that the damage is fixed right the first time. This will also help you avoid any future leaks that the insurance company might not cover.