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Does Insurance Cover Your Roof?

Each insurance company comes with distinctive guidelines for claims. Before signing an insurance policy for your roof, you must keep in mind the climatic factors that are most likely to affect your location. For example, if you reside in a place that has excessive snowfall, you should choose an insurance that covers hail as a factor for damage. Some insurance companies cover damage caused by high winds, lightning, floods, and earthquakes; while others might exclude these. An unpreventable cause like fire is one factor that is covered by most of the insurance companies.

Your roofing contractor is the best person to guide you to assess the damage and file the claim to the company in the best way possible. A professional roofing company will never hesitate to offer you with its insurance inspection services. Always go for a roofing contractor who is experienced enough to help you yield the best results for your claims. To receive hassle-free claims you must keep a set of “before” and “after” images of your roof while documenting the damage.


ROOF AGE: If your roof is less than 10 years old, you are most likely to get a full claim for the damage occurred. But if your roof is more than 10 years old, the insurance company might reimburse only its depreciated value.

CAUSE OF DAMAGE: Most homeowner policies cover damage caused by fire and “acts of God” like floods and earthquakes. Although the damage caused to the roof due to its age and improper maintenance (Causing leakage) is not covered by policies for the claim.

SEVERITY OF DAMAGE: The settlement of your loss by your policy is also influenced by the intensity of the damage.

ROOF MAINTENANCE: If the damage is investigated to have resulted due to lack of maintenance, your claim will not be settled by the policy.


Your roofing contractor can be of great assistance to get your insurance claims settled. Be it a claim regarding roof repair or replacement, an experienced roofing contractor will be able to smoothly settle your claims.

So if you need to claim any damage to your roof to your insurance company, our roofers in Columbia, SC can visit you for a roofing insurance inspection and help you settle your claims. Our professional and experienced roofers are dedicated to making the best settlements for you.

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