This is one of the most common questions homeowners ask after noticing roof damage. The short answer is sometimes, but it depends on what caused the damage, how your policy is written, and how the claim is handled.
Understanding when roof repairs are covered by insurance can save you time, money, and frustration.
What Types of Roof Damage Are Usually Covered?
Most homeowners insurance policies cover sudden and accidental damage, not wear and tear. Common examples of covered roof damage include:
Wind damage from storms or hurricanes
Hail damage
Damage from falling trees or debris
Fire or lightning strikes
Damage caused by severe weather events
If your roof was in good condition before the event and damage occurred suddenly, there is a strong chance it may qualify for coverage.
What Roof Repairs Are Usually NOT Covered?
Insurance companies typically do not cover damage caused by:
Normal aging or wear and tear
Poor installation or workmanship
Lack of maintenance
Old leaks that were never addressed
Cosmetic issues with no functional damage
For example, a 20-year-old roof that slowly deteriorates over time usually won’t qualify for insurance repairs, even if it eventually leaks.
Repair vs. Replacement: Does Insurance Cover Both?
Insurance may cover repairs or full replacement, depending on the extent of the damage.
Minor damage may result in a repair approval
Widespread damage across multiple slopes often leads to replacement
Code upgrades may be partially covered, depending on your policy
An inspection helps determine whether the damage is isolated or systemic.
How Does the Insurance Claim Process Work?
While every situation is different, the process typically follows these steps:
Schedule a professional roof inspectionA qualified roofer documents damage with photos and measurements.
File a claim with your insurance companyYou provide details of the storm or event and the inspection findings.
Meet with the insurance adjusterThe adjuster reviews the damage and determines coverage.
Review the scope of workThis outlines what the insurance company is willing to pay for.
Complete repairs or replacementOnce approved, work can begin.
Having proper documentation and clear communication during each step makes a big difference.
What If My Insurance Claim Is Denied?
A denial doesn’t always mean the end of the road. Claims can be denied for reasons such as:
Insufficient documentation
Disagreement about the cause of damage
Damage being labeled as wear and tear
In many cases, additional documentation, photos, or a second inspection can clarify the situation. Understanding your policy and having an experienced professional involved can help prevent unnecessary denials.
Should I Call My Insurance Company or a Roofer First?
In most cases, it’s best to call a roofer first.
A professional inspection helps determine:
Whether the damage is likely claim-worthy
What evidence should be documented
Whether filing a claim makes sense at all
Filing a claim unnecessarily can impact your claims history, even if it’s denied.
Does Filing a Roof Claim Increase My Insurance Premium?
This depends on your insurance provider, claim history, and the type of claim. Storm-related claims that affect many homes in an area are less likely to impact individual premiums than repeated or questionable claims.
It’s another reason to understand the damage before filing.
How Long Do I Have to File a Roof Insurance Claim?
Most policies require claims to be filed within a specific timeframe, often 6 to 12 months after the damage occurs. Waiting too long can result in a denial, even if the damage was originally covered.
The Bottom Line
You can claim roof repairs on your insurance if the damage was caused by a covered event like a storm or falling debris. However, coverage depends on proper documentation, timing, and the condition of the roof before the damage occurred.
If you suspect roof damage, the smartest first step is a professional inspection. It gives you clarity before you involve your insurance company and helps you make the right decision for your home.