Are You Covered? Understanding Your Home Insurance and Roof Repair Damage

by | May 30, 2023 | Roofing

Southwest Ohio Roof Defense has been a trusted roofing company in Cincinnati, Ohio for 20 years, specializing in roof restoration and repair

Roofs usually wear and tear over time, and sometimes, they even get to the point of needing complete restoration. While this is natural, the issue is the inevitable high cost. That’s why we encourage our clients to understand their homeowners insurance coverage.

Does homeowners insurance cover roof repair? In this article, we’ll give you vital information and guidance in understanding your insurance policies so you can navigate roof repair claims easily. 

Understanding Homeowners Insurance and Roof Repair Coverage

Typically, a standard homeowners insurance policy covers the repair and replacement of your home and its contents in case of damage. This includes damage caused by fire, smoke, vandalism, or theft. In addition, the insurance also covers damage caused by extreme weather conditions, like lighting, hail, or strong winds. External forces like falling trees or broken wires are also covered by a standard homeowners insurance policy. 

Does Homeowners Insurance Cover Roof Repair?

Does homeowners insurance cover roof repair? Yes, it does. Standard homeowners insurance covers the repairs and replacement of your roof if the damage you have incurred are a result of natural disasters or a sudden accident. 

However, if the reason behind the deterioration of your roof is neglect, lack of maintenance, or natural wear-and-tear, then the insurance policy is not liable to provide any financial support. 

Moreover, if your roof hasn’t been replaced for over 20 years and is showing signs of damage, then your company may provide only limited coverage. 

To know what your insurance policy covers and what it’s limited to, you must review the insurance documents that you have. If you need professional assistance in understanding your policy, Southwest Ohio Roof Defense can lend a helping hand. 

We have been working with homeowners insurance claims for years and have been maximizing coverage for all types of roof repair projects. With our expertise, we can help you out.

Determining Coverage for Roof Repair Damage

Roofs have the most direct exposure to outside elements, so roof damage is a common occurrence. Not only that, but the damage your roof sustains can also lead to other issues within your home, such as mold growth, water leaks, and pest infestations. So, when Mother Nature takes its toll on your home, which damage will your insurance cover?

When determining the coverage for roof repair damage, there are certain factors you need to keep in mind, specifically, the cause of the damage, policy terms, and deductibles. 

Cause of Damage

There are some causes of damage that all insurance policies cover, such as fire and severe weather conditions, like hail, wind, and leaks due to sudden natural events. But if the cause of your damage is a result of a pre-existing home condition, like a weak foundation or improper installation, the coverage may be limited. 

Policy Terms

You need to understand how much money you’re getting from your policy. Sometimes, the damage is only insured for its actual cash value instead of its current repair or replacement costs.


Your deductible is a fixed amount you need to pay for the damage your roof has sustained before your insurance company pays you for the rest. Depending on how much your home is insured for, your deductible rate will vary. 

For example, if your home is insured for around $300,000 and your wind or hail deductible is 2%, you only need to pay 2% of the $300,000, which is $6,000. Your insurer should cover the rest of the cost.

Should you need assistance in assessing your roof damage, coordinating with your insurance company, or navigating the claims processes, don’t hesitate to reach out to Southwest Ohio Roof Defense.

Steps To Take When Filing a Roof Repair Claim

To make the claiming process easier for you, here are some essential steps you need to take. 

1. Document the Damage

Before doing anything, be sure to document the damage to your roof and the rest of your home. You want to ensure that all of your bases are covered so you can start to file a claim. 

2. Get Estimates for the Repairs from Southwest Ohio Roof Defense

The next step is to contact a reputable contractor like Southwest Ohio Roof Defense to assess the damage and give you an accurate estimate of the possible repairs.

3. Notify Your Insurance Company

Once you have the evidence and key information, the final step is to notify your insurance company of the extent of the destruction. Time is of the essence when it comes to roof repair claims because the longer you wait, the more damage your compromised roof can cause. 

Dealing with insurance companies can be tough, so one important tip to keep in mind is this: don’t let them boss you around. At the end of the day, they are a business entity that may not have your best interest at heart. If you need help negotiating with your insurer, Southwest Ohio Roof Defense can help. 

We are experts when it comes to dealing with insurance companies. With our guidance, we can assure a smooth and successful claims process. 

Maximizing Coverage for Roof Repairs

To maximize your coverage, we suggest practicing proactive maintenance, doing regular inspections, and reporting damage immediately. We can help you gather all the evidence you need and keep essential insurance-related documents so you can stay on top of your claims. 

At Southwest Ohio Roof Defense, we are committed to providing detailed documentation, accurate estimates, and professional roof repair services to meet insurance requirements. 

Working With Southwest Ohio Roof Defense

If you have roof damage that needs mending, look no further than Southwest Ohio Roof Defense. We are an expert in restoration and provide quality workmanship, ensure customer satisfaction, and maximize insurance coverage. 

Our team of certified and highly-experienced staff uses only high-quality materials and innovative techniques to complete roof repair projects effectively and efficiently. Contact our experts today to get a professional roof damage assessment and assistance in navigating insurance claims.


A homeowners insurance policy can cut down roof repair costs, so it’s important to understand your coverage and terms. To help make claims easier, be sure to review your policies, document damage, and seek professional assistance from Southwest Ohio Roof Defense. With our expertise, we guarantee a smooth claiming process from start to finish.

Seraphinite AcceleratorOptimized by Seraphinite Accelerator
Turns on site high speed to be attractive for people and search engines.