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Does Homeowner's Insurance Cover Roof Repair?

April 28, 2022
Insurance Claims , Residential Roofs
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Depending on your homeowner’s insurance policy, a roof repair could be covered under your homeowner’s insurance. Although your homeowner’s insurance policy may cover a roof repair, you can determine your options to file a claim on what is most cost efficient and beneficial for you. Key factors in determining if a roof repair is covered and may be warranted on your homeowner’s insurance policy instead of paying out of pocket include:

  1. Is the roof repair estimate less than the cost of your deductible?
  2. Is the roof damage localized to one area on your roof?
  3. How extensive is the damage on your roof?

Is the roof repair estimate less than the cost of your deductible?

Following a thorough roof inspection and estimate by an experienced roofer, the estimate for the repair may be less expensive than the cost of your deductible on your homeowner’s insurance policy. In this case, it would be more beneficial and cost efficient to not file an insurance claim for your roof repair, and cover the out of pocket costs.

Is the roof damage localized to one area on your roof?

If the roof damage is localized to one area on your roof, you can weigh your options on filing a claim and meeting your deductible or coming out of pocket for the cost of the repairs if those are less than the cost of your deductible on your specific policy. If damage is not localized to one area on the roof, the damage may warrant a claim for a full roof replacement instead.

How extensive is the damage on your roof?

Roof repairs are less than the cost of a full roof replacement, and if the damage is minimal, the repair could cost much less than your deductible on your homeowner’s insurance policy. Homeowners should always contact a professional roofer to provide an inspection and estimate at no cost to them to determine if the damage is worth filing an insurance claim. Each specific case is different with the varying damages and expense of the roof itself, but a roofing contractor will be able to provide a breakdown of the damage and an estimate to repair your roof. 

If the roofer recommends to file an insurance claim with your provider, an insurance adjuster will be appointed to the case and schedule a time to meet with the homeowner and roofer to discuss the damages and approve or deny the claim. If the claim is denied the homeowner could come out of pocket to repair the roof damage. If the claim is approved, the homeowner will be responsible for the cost of their deductible and insurance will provide assistance to cover the rest of the damages depending on the homeowner’s policy in place.


When do I need a roof repair or a full roof replacement?

If the damage is localized to one area, a roofer will recommend a roof repair. Damages that can warrant a roof repair include:

  • Leaking roof
  • Missing or displaced shingles due to wind damage
  • Nail pops 
  • Tree branch punctures 
  • Damaged roof accessories 
  • Gaping around roof accessories
  • Loosened or gaping flashing 

A roofer can provide an estimate to repair your problem area on the roof. If storm damage is dispersed throughout the roof, your roofer may suggest filing an insurance claim to replace the roof.

Contact your Preferred Roofer to Assist!

Our roofers at Priority Roofing LLC provide free inspections and estimates to assist homeowners through the insurance process. We work with insurance providers daily to help them take care of homeowners and provide the best options for each individual case. Our roofing specialists service Shreveport/Bossier City, LA and surrounding areas. Call us for a free estimate today at 318.202.2123!

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