Yes homeowners insurance does cover roof damage and roof leaks in most cases from a Hurricane?
Home insurance policies usually cover roof damage caused by fire, vandalism and “acts of God,” such as hurricanes and tornadoes. Whether they will pay for damage caused by wind, rain or hail is determined by your policy and the age of your roof.
For instance, if your roof is less than 10 years old, your insurer will likely cover the replacement in full. An insurer may not reimburse you if you have an older roof (especially one that is more than 20 years old) or the company might only pay what it deems the roof is worth after years of wear and tear.
A leaky roof may be covered, but insurance companies believe homeowners should prevent leaks and subsequent damage. It’s up to the homeowner to take the necessary precautions to maintain the property. If a leaky roof isn’t fixed properly, an insurer might not cover damage.
Whether you’re reimbursed partially, fully or not at all depends on your policy, so check with your insurance company if you experience any damage.
How to protect your roof
Here are five tips to protect your roof:
Take photos of your roof so you have them on file in case of any damage. If your roof is damaged, then take a set of “after” photos so you can document the damage and submit it to your insurance company.
If your roof is more than 10 years old, you may want to hire a roof inspector who can check for any damage and areas that need repair.
Replace any broken or worn shingles or tiles. A broken shingle might seem minor, but it’s not protecting your home and can result in damage. An insurance inspector may perform a check of your property from the street. Insurance companies can cancel your policy if the home is considered to be in disrepair and that can include a leaky roof and broken or displaced shingles.
Cut back any trees hanging over your house and remove any dead trees.
If your roof is damaged, contact your insurance company and ask them to send an inspector to review the damage.
Insurance companies cover roofs differently and your state can play a big part as to whether or how much you’re reimbursed. It’s best to speak with your insurance provider if you have concerns about whether or not roof damage will be covered by insurance.