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How do I get home insurance to pay for my roof?
There was a large windstorm recently. I didn’t think my home suffered any damage, but I just discovered that my roof is leaking. I have a home insurance policy. How can I get home insurance to pay for my roof?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry about your roof, but you’re in luck! Your home insurance should pay for your roof since the cause of the damage was the wind.
Wind is one of the
16 covered perils
in home insurance. As long as you can prove to your insurance company that the windstorm caused the damage to your roof, they should pay for the repairs. You’ll want to call a roofing company to estimate the cost of repairs and determine the cause of damage. From there, you can call your home insurance company to file a claim. If you have a deductible, you’ll be responsible for covering that before your insurance will pay for anything.
If the roofing company determines the cause of damage was age or normal wear and tear, your insurance likely won’t pay for your roof repairs. Most home insurance policies exclude preventable damage or damage resulting from a lack of upkeep or maintenance.
For more information, reach out to your insurance provider. An agent can confirm your policy’s coverage and exclusions.
After submitting a claim, your home insurance rates could increase. If that happens or you’d like to explore other options, use the
Jerry
app. Jerry is a licensed broker that will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls.
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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