Will Insurance Cover Roof Damage Repair?
By Macomb, Oakland & Wayne County’s Best Roof Repair Company

It is wind, storm and tornado season in Macomb, Oakland & Wayne County – and one of the most common questions we get from customers is “Will my homeowners’ insurance cover the cost of my roof damage or repair?”

Will Insurance Fully Cover Roof Damage Repair?  Wayne County

Whether or not your homeowners company covers your roof damage repair will depend:

• What caused the roof damage
• What type of insurance coverage you have purchased.

So, if you have suffered roof damage due to spring weather conditions, your first step should always be to get out your policy and read it carefully – so you know your rights. If you hire Aaron’s Restoration to repair your roof damage, we will work with you to ensure that your insurance company covers as much damage repair as possible, as allowed by your homeowners’ coverage.

Typically, if the damage to your roof is caused by a natural disaster or accident – such as a tornado or wind storm –  a homeowners policy will pay for your roof damage repairs. However, some homeowners policy’s specifically “exclude” coverage under certain circumstances – and certain repair won’t be covered.

“Named Peril Insurance” is a type of insurance that will only cover the cost of roof repairs that are specifically named in the insurance policy. Named Peril Insurance usually does cover damage from events like lightening and hail damage – but may not cover other things like tree damage or falling debris.

“All Risk Policies” are more liberal and will cover everything – except for certain limited causes of damage that are specifically excluded and listed as exceptions.

Will Insurance Cover a NEW Roof or Just Repairs?

If the cause of damage is covered by your policy – whether your homeowners insurance covers the cost of a complete roof replacement will depend largely on the extent of the damage. If the insurance company believes that roof damage repair could fix the issue, your insurance company will want to fix the damage rather than replace the roof. Obviously this is because they want to spend as little money as possible on your claim.

A good roofing contractor – like Aaron’s Restoration – will be happy to offer a full roof inspection and provide you with the information and documentation your insurance company will need to assess whether a new roof will be covered, and to get you the maximum claims coverage under your policy.

Does Age Affect Insurance Coverage of Roof Damage Repair?

Certain insurance policies may outline age requirements for roof replacement or repair. For example, if your roof is older than 10 years, some insurers only allow reimbursement for the depreciated value of your roof – instead of the original full value.

In the extreme weather conditions of Macomb, Oakland & Wayne County residential roofs will naturally deteriorate over time – as well as be damaged by extreme weather events such as tornados and wind storms. Reading the fine print of your insurance policy now, will help you file a claim should the time come that your roof needs to be repaired or replaced.

We’ve repaired hundreds of roofs in Macomb, Oakland & Wayne County!

If your roof has been damaged, Aaron’s Restoration has extensive experience in providing roof estimates for insurance claims – helping our clients navigate the process of getting their roof repair or replacement covered to the maximum extent possible under their insurance coverage.