Your policy only covers specific types of roof damage.
Home owner insursance wind roof damage.
Your homeowners insurance coverage does protect your roof.
Coverage also usually includes damage from hail wind driven rain or snow that gets inside the home when a roof or wall is damaged due to wind.
Wind causes a staggering amount of home insurance claims.
Most homeowners insurance policies cover roof replacement if the damage is the result of an act of nature or sudden accidental event.
Check out the details on additional roof replacement coverage for a closer look at how your homeowners insurance can be bolstered to cover damages to your roof.
Most policies also offer some coverage for fallen trees that damage your home provided the tree broke because of a storm or wind.
And if your roof is eligible based on its age and type e g.
Home insurance policies usually cover roof damage caused by fire vandalism and acts of god such as hurricanes and tornadoes.
Wind and hail are two of the most common culprits of roof damage and most of the time these hazards are covered by a standard homeowners insurance policy.
Home insurance companies in past years have been walloped by numerous and expensive roof claims.
Each type of coverage in your policy has its own coverage limit.
Your roof s protection is outlined in the dwelling coverage or coverage a section of your policy.
If a leaky roof isn t fixed properly an insurer might not cover the damage.
The iii reports that state farm alone spent 2 4 billion on wind and hail claims in 2014.
Homeowners insurance and hail damage.
Shingles tiles slate wood etc roof replacement cost coverage is available for wind and hail damage as well.
If your homeowners insurance policy covers wind damage it will only pay up to the limit you chose when you purchased coverage.
To combat this many home insurers have implemented different coverage levels.
Wind and hail damage.
If you live somewhere where wind damage or wind storms are a regular occurrence you should know how to handle wind damage insurance claims and similar insurance issues which are often covered under your homeowners insurance policy but as always examine the policy and see if you are covered for wind damage to your roof or other.
Homeowners insurance typically covers wind damage.
However in states that experience frequent wind and hail damage like kansas and oklahoma homeowners insurance is likely to cost more because of the heightened risk and propensity for.
Whether they will pay for damage caused by wind rain or hail is determined by your policy and your roof s age.
Review your policy to brush up on how much coverage you have in place for your dwelling and personal property and contact your agent if you want to.
