Skip to Content Top

Does Homeowners Insurance Cover Roof Repairs?

Does Homeowners Insurance Cover Roof Repairs?

When looking to repair your roof, it is wise to check if your homeowner's insurance policy will cover the costs. Roof repairs can get extensive and expensive depending on the level of damage, so you will want to make sure your out-of-pocket cost is as little as possible. Here’s a quick rundown on whether or not homeowners insurance covers roof repairs.

Will Homeowners Insurance Cover Roof Repairs?

Homeowners Insurance-Covered Roof Repairs

Most causes of roof damage involve extreme weather. Under most homeowners insurance policies, weather damage is covered (under certain conditions).

The extent of coverage may vary, depending on:

Roof leaks may also be covered depending on how they occurred. If the damage happens suddenly or is the result of a major storm, you should consider filing a claim.

  • where you live
  • the age of your roof
  • the extent of the damage

Roof Repairs Not Covered by Homeowners Insurance

The most important thing that homeowners insurance won’t cover is wear-and-tear damage. As your roof ages, things like loose shingles and water damage begin to occur. Your insurance company will expect you to conduct regular roof maintenance to avoid these damages.

Certain natural disasters may also not be covered under a standard policy. This is especially common with insurance policies in Florida, where extreme weather conditions like hurricanes, hail, and severe wind, rain, and heat are a major threat to homes.

Pests are another common occurrence that won’t be covered. Instead, you may have to purchase or add additional coverage to your existing policy.

Protect Your Roof Before Disaster Strikes

To avoid major incidents that your homeowners insurance won’t cover, it’s important to work with a roofing contractor to regularly inspect your roof and keep it safe. With over 35 years of experience in the roofing industry, RBS Construction & Roofing knows how to keep your roof protected through all kinds of weather. As a locally- and family-owned and operated roofing business in Orlando, Florida, RBS Construction & Roofing provides superior residential and commercial roof repairs, installations, and inspections in the Central Florida area.

If you need high-quality roofing services at an affordable price, call the professionals at RBS Construction & Roofing to get started at (689) 304-9605 to schedule an inspection today.