By Michael Kennedy 
When a storm hits or a tree falls on your house, one of the first things homeowners think is, “Will my insurance cover this?” Roof damage can be stressful and expensive — but the good news is, your homeowner’s insurance policy may help. That said, roof insurance claims can be tricky, especially if you’re not sure what’s covered or how to start the process.
In this guide, we’ll walk you through everything you need to know about roof insurance: what’s typically covered, what’s excluded, how to file a claim, and key tips to improve your chances of approval.
Most standard homeowner’s insurance policies cover sudden and accidental damage caused by specific “named perils.” For your roof, that usually includes:
- Hail damage
- Wind damage
- Falling trees or debris
- Fire and smoke
- Lightning strikes
- Weight of snow or ice
If your roof was in good condition before the incident, and the damage is clearly linked to one of these events, you’ll likely be eligible for repairs or even a full replacement — minus your deductible.
Insurance doesn’t cover every type of roof damage. Here are the most common exclusions:
- Normal wear and tear: Age-related deterioration is considered maintenance, not an insurable event.
- Neglect or poor maintenance: If the insurer finds leaks or issues were ignored, your claim could be denied.
- Improper installation: Work done outside code or by unlicensed contractors may void your coverage.
- Manufacturer defects: These are generally handled through product warranties.
- Flood damage: Requires a separate flood insurance policy.
It’s important to know how your policy pays out, especially with roof claims.
Actual Cash Value (ACV):
This reimburses you for the current depreciated value of your roof, based on its age and condition. If your 15-year-old roof gets damaged, the payout could be significantly lower than the replacement cost.
Replacement Cost Value (RCV):
This pays the full cost to replace your roof at today’s prices, with no depreciation factored in. It typically costs more in premiums but offers better financial protection.
Pro Tip: Always check whether your policy covers ACV or RCV — it can make a difference of thousands of dollars in your claim payout.
After a storm or incident, check for damage from the ground — missing shingles, dents, exposed underlayment, debris, or water stains. Take photos and videos to document everything.
Call a local, licensed roofing contractor for a professional inspection. They can identify storm-related damage, provide a written estimate, and sometimes help guide you through the claim process.
Understand your coverage limits, deductible, claim deadlines, and policy type (ACV vs. RCV). Note any exclusions that might affect your claim.
Contact your insurance company’s claims department or file online. Be ready with your policy number, damage description, incident date, and supporting documents like the roofer’s report.
The insurer will schedule an inspection. If possible, have your contractor present during this meeting to advocate on your behalf and point out all damage.
Once the claim is approved, you’ll receive an estimate. For RCV policies, expect to receive the ACV amount first, and the remaining RCV balance after repairs are complete and invoices are submitted.
Work with your contractor to start repairs. Ensure the work aligns with the adjuster’s scope. If additional damage is found, your contractor can submit a supplement to the insurance company.
- Act quickly. Most policies have a 6–12 month deadline to file after a damaging event.
- Document everything. Save emails, texts, and receipts. Keep a claim folder.
- Avoid “storm chasers.” Use reputable, local contractors — not companies that show up from out of town after a disaster.
- Don’t pay in full upfront. Reputable roofers accept progress payments or final payment after the work is completed.
- Hire a public adjuster if you believe your claim was unfairly denied or underpaid. They can negotiate with the insurer on your behalf.
You’re responsible for paying your deductible before insurance kicks in. This may be:
- A flat rate (e.g., $1,000)
- A percentage of home value (e.g., 1–2% of your home’s insured value)
Also, your insurance may not cover optional upgrades, like switching from shingles to metal, or code upgrades unless explicitly included in your policy.
Insurance companies may deny claims due to:
- Lack of storm-related damage
- Pre-existing conditions
- Late filing
- Poor documentation
If your claim is denied, you can:
- Request a re-inspection
- Submit more documentation
- Appeal the decision
- Hire a public adjuster or legal advocate to review the case
Roof insurance claims can feel overwhelming, but they don’t have to be. Knowing what’s covered, what’s not, and how the process works gives you control and clarity. The key is to act quickly, document thoroughly, and work with professionals who have your best interests in mind.
If your roof has suffered damage from wind, hail, or falling debris, don’t delay. Start the claim process right away to protect your home and avoid additional costs down the line. A proactive approach can mean the difference between a smooth insurance payout and a financial headache.