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Is Roof Damage Covered by Insurance?

Roof damage insurance in Florissant, MO

If you have recently experienced roof damage, you may be looking for the quickest, most cost-effective way to restore your roof to its original condition. After all, your roof protects your home and everything inside. As you may have learned by now, roof damage can become expensive. The good news is that your homeowner’s insurance may be able to help you with some of the costs. Here are some cases where you may be able to get roof damage insurance

What Kind of Roof Damage Is Covered by Insurance?

It may be comforting to find out that your homeowner’s insurance will cover some roof damage. Your homeowner’s policy will most likely cover events that are out of your control. Most policies will outline the damages they will protect against. Based on your policy, the amount of coverage provided will vary. Remember that some costs will have to come out of pocket when it comes to homeowner’s insurance. You will likely have to pay a deductible before any expenses are covered. 

Here are some causes that most policies will cover.

Extreme Weather 

If your roof is damaged due to extreme weather, you will likely receive coverage. Severe weather includes things such as the following. 

  • Wind and hail damage
  • Lightening 
  • Snow or ice damage 

After these natural disasters, you may notice damage to your roof that requires immediate attention. Your roof could begin to sag because of the weight of heavy snow or ice. It is also possible that your roof can experience leaking because of these damages. 

These issues must be addressed as soon as possible because leaving these issues unaddressed can be considered neglect. In cases of neglect, your insurance will no longer cover these damages.

Fire and Smoke 

If a fire or smoke has recently impacted your home, you may need to consider fire damage restoration. Most insurance companies will cover fire and smoke damage if the claim is approved. Insurance coverage for fire and smoke-related damages will help cover repair or replace items affected in the fire. Depending on your coverage, they may also be able to cover the cost of a fire damage restoration company. 

Fallen Objects

As with everything else, certain limitations may apply depending on your insurance policy. Most insurance companies will cover damages from objects that hit your roof directly. This could mean if something fell near your home and the debris damaged your home, you would not be covered. 

In addition, fallen object claims can be complex because coverage will be denied if your insurance company can link the damage to neglect. If an old overhanging tree falls on your roof on a windy day, coverage can be denied because your insurance provider can argue you should have gotten it cut down before that time. 


Vandalism is generally covered under an all-perils policy unless specifically excluded. While it is more rare than natural disasters and fallen objects, it is still a possibility. If damage is done to your roof for the sake of causing harm, your repairs will likely be covered. 

Roof Damage That Is Not Covered by Insurance

The criteria for roof damages that are not covered by insurance vary depending on each situation. Although insurance policies cover certain damages, only the investigation will determine if your claim will be approved. 

Here are some reasons your claim may be denied. 

Gradual Wear and Tear

If you have decided that you want to replace your roof on a random Tuesday in September because it looks old or has a few leaks, your insurance is unlikely to cover it. You may be wondering why. This is because roof maintenance is considered the responsibility of the homeowner. Any problem that results from gradual wear and tear would not be eligible for reimbursement.


Neglect is not covered by insurance because it is the homeowner’s responsibility to upkeep their home. Although we may often forget, maintaining the roof is just as essential as maintaining the interior and yard. As mentioned previously, insurance will only cover situations that are out of your control. 

Animal Damage 

Animal damage consists of damage from critters like squirrels and rodents. Although an animal infestation is inconvenient and stressful, insurance companies consider animal damage preventable. 

Mold or Rot 

As surprising as it may be, your insurance provider will not reimburse you for mold or rot if it is something you could have knowingly prevented. Mold is typically formed because of neglect or lack of upkeep which makes insurance companies hesistant to cover this type of damage.

Things to Do Before Filing an Insurance Claim

Accidents happen. While it may be challenging to navigate filing an insurance claim. There are a few things you should consider preparing before filing a claim with your insurance company.

Read Your Policy 

Before filing an insurance claim, be sure to understand what your policy covers. Your policy will specify what kinds of damages are covered, if roof repairs are covered, and your deductible costs. 

Collect Your Own Evidence

Before filing a claim, collect your own evidence of damage. Take photos and videos of the damage and document the date and time. If damage is extensive, contact a roofing company in your area to perform an inspection. This will provide a detailed account of the damages and will protect you against your insurance company.

Let Our Experts at Martin & Sons, LLC, Help With Your Roof in Creve Coeur, MO

If you need a roof repair or replacement in Florissant, MO, call Martin & Sons, LLC. Our team of professionals offer multiple roofing services at fair prices. Whether your roof damage is covered by insurance or not, we will treat your home as our own. 

At Martin & Sons, LLC, we are fully committed to providing top-quality roofing services to clients. Our team will ensure that your roof in Florissant, MO, is in top working order so that you have the protection that you need. Contact our team now for a free consultation and estimate to get started.


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