Roof damage is never convenient—but knowing whether your homeowner’s insurance will cover the cost can make all the difference. If your roof has recently been impacted by storms, high winds, or even falling debris, you may be wondering: Will my insurance cover this?
Let’s walk through how to determine if your roof damage is eligible for coverage—and what steps to take when filing a claim.
1. Understand What Insurance Typically Covers
Most standard homeowner’s insurance policies cover sudden and accidental damage caused by events such as:
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Hailstorms
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Windstorms or tornadoes
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Falling trees or limbs
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Fire
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Vandalism
In these cases, insurance will often help pay for repair or even full replacement of the damaged portion of your roof.
✅ What’s usually NOT covered:
Damage caused by normal wear and tear, lack of maintenance, or an aging roof may not be eligible for reimbursement.
2. Inspect and Document the Damage
Before filing a claim, inspect your roof or hire a professional to do it. Look for:
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Missing or torn shingles
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Dents or holes from hail
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Water stains or leaks inside your attic or ceiling
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Visible tree damage or debris
Take clear photos of any visible damage and document the date of the incident (especially if it followed a specific storm).
3. Check Your Policy
Every insurance policy is a little different, so it’s important to review your specific coverage. Key things to look for:
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Your deductible (how much you pay out-of-pocket)
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Coverage limits for roof repairs
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Whether your policy offers Actual Cash Value (ACV) or Replacement Cost Value (RCV)
ACV reimburses you based on the depreciated value of your roof, while RCV covers the full cost of replacing the damaged section.
4. Call a Trusted Roofing Contractor First
Before you contact your insurance company, it’s a smart move to have a professional roofer inspect the damage. At 1 Stop Roofing & Exteriors, we provide free inspections and can:
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Confirm whether the damage looks insurance-worthy
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Help you properly document the problem
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Meet with your adjuster to ensure nothing is missed
Having a roofing expert in your corner helps maximize your chances of a successful claim.
5. File Your Claim Promptly
Most insurers have a limited window for filing claims after a storm—usually within 6 to 12 months. Don’t wait too long or your claim could be denied.
When filing:
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Provide your documentation and inspection report
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Be available for the adjuster’s visit
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Ask your roofer to attend the inspection if possible
We’re Here to Help
Navigating roof insurance claims doesn’t have to be overwhelming. 1 Stop Roofing & Exteriors has helped countless homeowners in Huntsville, Madison, and surrounding areas work with their insurance to get the coverage they deserve.
📞 Call today to schedule your FREE inspection. We’ll assess the damage, explain your options, and help you through every step of the claim process.
