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  • Writer's pictureApril Dacas, VP

What Type Of Roof Repair Does My Homeowner's Insurance Cover?


Your roof is a significant and essential part of your home. It protects you from the elements, protects your belongings from damage, and establishes your home as your most valuable asset. As such, it should be maintained and protected so that it continues to serve you well for years to come.

Try as we might to keep our homes and roofs in good shape, some situations get thrown at us that are simply out of our control. Excessive winds, scorching heat, and ice damage shingles and roofs, creating the need for repair and eventual replacement. You may not have the money to pay for these repairs out of pocket; what can be done to protect your most valuable asset while keeping your hard-earned money in the bank?

Your homeowner’s insurance: What does it cover?

Depending on the nature of damage that your roof has sustained, your homeowner’s insurance may be able to cover it. Hail damage, missing shingles due to high winds, and fallen trees may all be covered by your homeowner’s insurance policy. Check with your homeowner's insurance provider to see what aspects of disrepair are covered and what you will have to plan for as you continue to maintain your roof.

What kind of damage is covered by your homeowner’s insurance?

A sub-portion of your homeowner’s policy called dwelling insurance typically helps protect your home’s structure, including your roof. Coverage includes damage from fire, catastrophic storm damage, and hail damage. In addition, any portion of your home or personal belongings that have been damaged by these covered perils would also be eligible for coverage, as long as you follow proper protocols when making your insurance claim.

Keep in mind that many insurance plans have a deductible that you are responsible for paying before your insurance coverage kicks in. You will need to know what your policy states regarding deductible payment so you can plan for this added expense should unexpected roof repair become a necessity.

Does homeowner’s insurance cover roof leaks?

If your roof is damaged by hail, excessive winds, or other catastrophic damage, it is likely that any resulting leaks and repairs will also be covered by insurance. If it can be proven that the leak in question was a pre-existing state of disrepair, however, it will not be covered. This is why it is so essential to maintain and repair your roof when needed to preserve the integrity of your insurance coverage as well.

Filing a roof repair or replacement claim

If you find that your roof has become damaged or is in need of replacement after a storm, follow these steps for smooth and easy replacement of damaged materials:

  • Hire someone to make temporary repairs as soon as possible. A leak or hole in your roof provides unwanted access to outside elements, tree debris, and even small animals. The longer this compromised area stays open, the more likely you are to incur damage inside your home.

  • Contact your insurance company and determine what portion of the damage is covered by your homeowner’s insurance. Have someone come out and make a professional assessment of the damage and help you file a claim on your behalf.

  • Gather evidence of your claim---ideally with before and after photos of the area in question.

  • Schedule an appointment with an insurance claims inspector so they can prepare a professional claim.

Len’s Roofing: Helping you maintain a beautiful roof and a beautiful home

Len’s Roofing specialists are certified, qualified professionals that care about their customers. From start to finish, we commit to serve you with the knowledge, tools, and advice necessary to make educated decisions regarding your roof, home, and property. If you have sustained damage to your roof and your home, now is the time to call us for a professional assessment and repair plan. We will customize a roofing repair or replacement package that works for your style, home, and budget. Call us today at 941-896-7897 or visit us at for a free assessment and some information on how we can fortify and beautify your home.


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