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Does homeowners insurance cover roof damage?

Updated: Aug 4


Homeowners insurance may cover your roof repairs, depending on what caused the damage. Insurance covers damage that is sudden and accidental losses such as fire, wind or hail damage. It is important to know what kind of coverage you have that will benefit you in certain unexpected circumstances. For example, if a tree falls onto your roof right above your bedroom and damages the roof and everything below it, you may want to know if your roof and your property inside your house are covered by your homeowners insurance.

What kind of damage does your homeowners insurance cover?

Dwelling coverage protects the structure of your home, which includes its roof. If your roof is damaged by fire, hail, wind, hail, or buildup of snow or ice then you will most likely be reimbursed for a claim. Your homeowners insurance may cover leaks in your roof if caused by a covered peril. If your roof is damaged by a hail storm which results in a leak, than the cost to fix the leak will most likely be covered by your insurance. If any of your property is damaged due to a covered peril then your personal property coverage may help repair the cost of replacing that property. When homeowners insurance will not cover roof damage Living in Arizona the valley cities Tempe, Mesa, Phoenix, etc see monsoon storms every summer which can bring heaving rains. If your roof leaks because the roof is 25 years old the claim could be denied. If the roof is newer and in good shape the rain damage most likely would be coverage. This why it is very important to check regularly for roof damage especially if you live in an area prone to severe storms. This just one example and there are many other loses that would be covered by insurance. How to prevent roof damage

  • Trim trees around or over your roof and remove dead branches so that they will not damage your home due to wind, ice, or snow

  • Clear your gutters regularly to avoid build up and a drainage issues

  • Check regularly for roof damage and get any small problems fixed immediately. Small issues can become much bigger issues with the blink of an eye

  • Check the flashing on the roof to make sure it is in good condition to prevent water damage

  • Adding extra insulation in the attic can help avoid ice dams. Sometimes when heat escapes from your attic it can melt ice and snow on your roof. It refreezes and can cause an ice dam which results in water backing up into your home.

  • Your local insurance broker AZ Insurance is always available to help with any claims questions you have.

AZ Insurance Team 480-535-5709 https://www.azinsuranceteam.com *All policies are a little different and this may not be applicable to your insurance policy, talk to your agent to see what your policy covers.*


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Text 480-878-7715

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