Does Homeowners Insurance Cover Roofing Claims?

It’s no secret that the sunshine state experiences a vast amount of tropical storms, hurricanes, and windstorms. These harsh weather conditions have the potential to wreak havoc on your property. In fact, Florida accounts for nearly 76% of property insurance litigation in the U.S due to weather-related property damage. One of the most common sources of property damage after a storm is high winds, rain, and hail, these conditions can rip the shingles right off your roof, so it’s crucial to be prepared for an emergency.

Your home insurance policy is there to protect you in the event of a significant roofing disaster. But what exactly does it cover? Most homeowners’ policies will help pay for the cost of replacing your roof if it’s damaged by severe weather, a falling object, or fire. However, there may be some limitations depending on your specific policy. Always review your policy documentation carefully to make sure you understand what is and isn’t.

Roof-Related Damages: What Is Covered?

It’s important to know what your policy covers and what it doesn’t so that you can be prepared in the event of an emergency. Homeowners insurance typically covers dwelling coverage, which can help repair or replace your home if it is damaged by a covered peril. Commonly covered perils include fire, wind, and hail damage. So, if your roof needs repairs after it is damaged by hail or by a tree that topples onto it during a windstorm, you may find that your dwelling coverage helps cover the cost.

It’s important to carefully review your policy if your roof becomes damaged because some insurers don’t cover certain types of hurricane-related damage.

At the end of the day, Your roof can be a complex and expensive part of your home. When there is unexpected damage, you may not know what to do next and how you can get compensation for your property loss. Filing a property damage claim can also be complicated because insurance companies may refuse to pay or simply deny your claim.

Contact Florida Attorneys

At RAK Law Firm, PLLC we understand how traumatic property damage can be, and we want to help. We understand the ins and outs of insurance claims, and our dedicated team has years of significant litigation experience involving commercial and homeowners insurance claims. If you have a roof damage claim and your claim has been wrongfully denied, we can help you get the best possible results for your case.

If your roof has become damaged and you have filed a claim, our dedicated team can help advise you through the claim process. Call us today at (813) 750-0513 to schedule a free case consultation.