Your roof is a crucial part of your home’s protection, but many homeowners don’t fully understand how their home insurance covers roof damage. Whether your roof has been damaged by a storm, age, or an unexpected incident, it’s important to know what’s included in your policy. Here’s what you need to understand about roofing and home insurance.

Types of Roof Damage Covered by Insurance

Home insurance typically covers roof damage caused by sudden, unexpected events, such as severe weather (hail, windstorms, tornadoes), falling trees, or vandalism. However, gradual damage from lack of maintenance, age, or wear and tear is usually not covered.

What’s Not Covered?

Insurance generally won’t cover damage from neglect or poor maintenance. For example, damage caused by moss buildup or deterioration due to age might not be covered. Regular roof maintenance can help prevent these issues and avoid out-of-pocket costs.

Actual Cash Value vs. Replacement Cost

Insurance companies may reimburse roof damage based on Actual Cash Value (ACV) or Replacement Cost. ACV considers depreciation, while Replacement Cost reimburses you for the full cost of a new roof. Opting for a Replacement Cost policy ensures you receive the full amount for roof replacement.

Filing a Roof Damage Claim

If your roof is damaged, file a claim with your insurance company. You’ll need to submit photos and an estimate from a contractor. An adjuster will then assess the damage and determine coverage.

The Impact of Roof Age

The age of your roof can impact coverage. Some insurers may not cover roofs over a certain age (usually 20 years or more) or may offer limited coverage. Regular roof inspections can help maintain full coverage.

Contact Us for Expert Roof Advice

If your roof has been damaged, we can assist with insurance claims and provide professional repairs. Contact Raindrop Roofing NW at (503) 526-3887 or fill out our online form to schedule an appointment.