Does insurance cover storm damage roofing?
Expert Quick Answer
Yes, most standard homeowners insurance policies cover roof repairs or replacement if the damage is caused by a sudden, accidental event like hail, high winds, or falling debris during a storm.
Detailed Explanation
Insurance coverage typically focuses on 'replacement cost value' (RCV) or 'actual cash value' (ACV). If your roof is damaged by a covered peril, the insurer is responsible for returning it to its pre-loss condition. However, damage caused by age, neglect, or wear and tear is generally excluded.
Key Considerations
- Hail damage: Generally covered
- Wind damage (lifted shingles): Generally covered
- Falling trees/limbs: Generally covered
- General wear & tear: Not covered
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