Storms often leave devastating aftermath on many a homeowner’s roofs. If you have ever been a victim of one, you understand how debilitating and expensive the experience can be.
However, did you know most insurance policies cover storm damage? That’s right. This article will take you through storm damage coverage and show how it relates to your roof.
Does Insurance Cover Storm Damage?
Your insurance company will likely cover any roof damage caused by a storm if the roof in question was in excellent condition.
Typically, your insurer will require you to provide evidence to prove the damage was caused by a storm rather than, for example, a lack of roof maintenance or general wear and tear.
Furthermore, your insurer may dispute the meaning of a ‘storm.’ Most insurers have a cutoff point on the Beaufort scale to help them determine what sort of storm damages they consider valid for payouts.
The crucial thing you ought to do is go through your home insurance policy’s terms and conditions. This is the best way to know what your insurance policy covers and what it doesn’t.
What to Expect
More often than not, most homeowners’ insurance policies cover numerous forms of storm damage, including:
If a lightning strike has damaged your roof during a storm, your home insurance is likely to cover the costs of repair or replacement.
Fallen trees, hail, and wind damage
Most roofs get damaged by violent winds and falling trees in a bad storm. If your roof has been torn off by wind or smashed in by a falling tree, chances are high your homeowners’ insurance policy will foot the cost of repair or replacement.
Home insurance also covers roof damage caused by hail in stormy weather.
Get Professional Help
Whenever your roof gets damaged by a storm, the first thing you need to do is find a reputable roofing contractor to help you out. Our team at Titan Siding and Roofing is expertly trained and equipped to ensure we have tackled your roofing needs effectively after a storm.
Contact Us today for a free inspection and more information.