Does Insurance Cover Storm Damage to a Roof?

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We understand that roof storm damage is one of the most annoying and frustrating things to have to deal with. While roof repairs and roof maintenance might not be the first things you normally think about, a storm damaged roof is something we must address immediately.


The burning question is, “Does insurance cover storm damage to a roof?” The short and direct answer is yes; however, there’s a big asterisk with it. We have seen in certain situations where your insurance company won’t pay for the damages.


When Does Insurance Cover Storm Damage to a Roof?


Insurance covers roof storm damage in most cases. Some cases covered by insurance include damage due to:


  • Fires
  • Acts of nature.
  • Storms, hurricanes or tornadoes.
  • Vandalism
  • Falling objects, tree limbs or hail.
  • Wind driven rain.
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When Does Insurance Not Pay for Damages?


Insurance companies will deny paying for damages in certain conditions. Your insurance provider typically mentions the terms and conditions, and these vary between policies. While most policies cover storm damage to a roof, you have to meet certain requirements to be eligible to have an insurance claim get approved.


Stay on Top with Repairs


Roof repairs are essential for prolonging your roof’s life, and to stay eligible for insurance claims. You should hire a professional roofer for roof maintenance at least twice a year to prevent the most common potential problems.

You can visually inspect your roof for any signs of damage and promptly call up your professional roofer to address anything that you may see out of place.


These signs include:

  • Leaks
  • Discoloration or peeling of paint.
  • Broken or curled shingles.
  • Mold or pest infestations.
  • Tree limbs on your roof.

Remember that insurance doesn’t cover any damages caused due to lack of maintanace including any damage to life, property, or personal possessions.

You should always follow a maintenance schedule and keep track of the work done to make sure your home is ready to weather the next storms. And then, if you need to make an insurance claim, they will not be able to say you have neglected to do routine maintenance and use that as the reason why you have the damages and deny the claim.


Roof Replacements


It may seem redundant to replace your roof when it is as old as the rest of your house. However, roofs face more extreme weather conditions and wear out faster and the older your roof gets, the weaker and less resistance to the winds and storm conditions it faces.


Most roofs require you to replace them every 15-20 years; however, premium materials like metal roofing can last up to 75 years with a proper maintenance schedule. So even if your roof seems to be in good condition after its expected lifespan, we recommend you start planning to have it replaced to avoid bigger problems.


Old roofs have a higher tendency to leak or collapse, making them a liability for your insurance company. It is not the roof that your insurance company is concerned with, but all the contents inside your home that they are liable for replacing should you have storm damage to your roof. For this reason, most insurance policies either offer limited or no coverage for roofs that are around 15 to 20 years old.


Besides, older roofs often require frequent repairs and we know roof leaks can be frustrating and a good reason to switch the old roof to a new one that will protect your home.



Never treat your roof as a DIY project or source it out to a cheap roofing contractor. Roofing is a highly specialized field, and roofers charge according to their skillset and experience level.


Improperly installed roofs tend to leak or even collapse in extreme cases. The most common sign of an improper roof installation is intermittent or random roof leaks. These roofs are not sealed properly and leak under certain weather conditions such as horizontal rain.


Even if your policy normally covers the type of damage your roof has, they won’t approve your claim should you void any of these conditions.


Insurance Coverage for Storms


To what extent does insurance cover storm damage to a roof? Most policies offer you coverage against storm damage. Here are some types of damage that most insurance companies cover:




Any damage caused to your roof due to water getting in  and causing inside water damage is covered by your insurance, given that your roof isn’t too old and you have conducted frequent maintenance.


Tree Damage


A fallen tree that hits your home  or even a small tree limb that falls on your roof and causes either roof damage or water damage or typically we see both as a result of tree damage. The damages will be covered by your insurance company.



If lightning strikes your building and causes your roof to catch fire during the storm, you are eligible for a homeowners insurance claim.




Strong winds can cause massive damage to your roof by blowing shingles off and curling them, both of which damage your roof’s waterproofing. You can claim insurance for any damage caused by strong winds during these heavy storms.




Impact damage during hailstorms can leave divots and dents on your roof, and break shingles. These damages are covered by your insurance company.


How to Claim Insurance


Anyone lucky enough to never file an insurance claim can find it to be a daunting task. Here is how you can claim insurance for roof damage:


1. Maintain a Photo Album


We cannot stress how important it is for you to keep a photo album of your roof for insurance claims. This record helps your insurance company track your roof’s condition over a period of time, making it easier to diagnose what caused the damage.


Make sure that you take photos of your ceiling inside as well.


2. Call Your Professional Roofer


Immediately inform your professional roofing company of the damage as soon as it occurs so that they can come out inspect the damages to make sure that the damages will exceed your deductible before you file a claim. This is important as we do not want you to file a claim that is not needed as it will go against you when its time for renewal, yes even if the claim is denied. Also, your professional roofer can mitigate any further damages by installing a tarp or making a temporary repair until the work can be scheduled. Make sense?


3. Call Your Insurance Company


Call your insurance carrier and inform them of the damages, so that they can start the claim process. They will then  schedule an adjuster to come out to do an onsite inspection.


4. Call a Roofer to meet the adjuster


After the insurance company has assigned a field adjuster to come out and document the damages, call your professional roofer to come out with the adjuster to review the damages together to go over the scope of work on your behalf. By doing so you will be assured that nothing is missed or left out of the claim.


Have a Damaged Roof? We Have Your Back!


While you wait for your insurance company to process the claim, it is your responsibility to mitigate and  prevent further damage to your home.


With 28 years of experience and thousands of satisfied customers in South Carolina, Georgia, and Florida, we provide results. So whether you need to file an insurance claim or you are ready for a new roof or just need a small leak repaired. we can help you through the entire process.

Browse through our services to find the right one for you!

We know how stressful roof damage can be, so we provide a start to finish claim process solution for you. If you need a roof replacement but cannot decide which material and type is the best for you, we are here to help. Give us a call to go over all the option available.


Does insurance cover storm damage to a roof? It definitely does if you choose the right roofer for installing and repairing your roof.

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