Figuring out what your homeowners insurance covers and does not cover can be confusing.
Homeowners insurance covers your roof in cases where it is damaged for reasons outside of the homeowner’s control – a few examples are fire and vandalism. Your policy will also usually cover damage from extreme weather events or “acts of God” like big storms, hurricanes and tornadoes. Similarly, roof damage caused by moderate weather incidents such as hail, wind, and rain are often covered by homeowners insurance.
When filing a claim, it’s important to thoroughly document any damage that occurred. Also, make sure you keep receipts for all work done on the home. Many policies will cover these expenses when submitted with a claim.
However, keep in mind that coverage will often depend on the age of your roof, the area you live in, and may other factors. The easiest way to know what’s covered or what’s not when it comes to storm damage is to contact your insurance provider and go over the specifics of your policy, including what’s covered and what your deductible may (or may not) be.