Roof Repairs That Homeowner’s Insurance Will Cover

Understanding what your roofing insurance policy covers can save you time, money, and frustration when you need roof repairs most. Whether your roof has been damaged by a fallen tree, severe weather, or other unexpected events, knowing how to navigate your homeowners insurance coverage is essential.

Your homeowners insurance policy typically covers your home's structure, including the roof, but coverage depends on several factors: the cause of damage, your roof's age, and the type of policy you hold. Below, we'll break down the most common types of roof damage claims and help you understand when your insurance may be able to cover the cost of repairs or replacement.

Types of Roof Damage Covered by Homeowner’s Insurance

Every area is prone to its own kind of unfortunate weather or natural circumstances. Knowing what your roof will face helps you decide which policy you need. Here are some weather conditions that can be covered by insurance. Always refer to your insurance policy for your specific homeowners insurance coverage.

Hail Damage Roof Coverage

Hail can vary in size from small pellets to golf ball-sized chunks of ice, and the damage they cause depends on the size of the hail, the velocity of the storm, and the type and age of your roofing materials. Hail storms can cause dents, cracks, and granule loss on asphalt shingles. While not always visible from the ground, hail impacts can create soft spots or bruises in asphalt shingles that weaken their structure. Hail can also damage roof vents, flashing, gutters, and other roofing elements.

After a hailstorm, it's wise to have your roof inspected promptly. Hail damage isn't always visible from the ground, but a professional roofing contractor can identify compromised shingles that could lead to leaks and more extensive damage if left unaddressed. If there is damage to your roof, you can use Graves Brothers’ estimate service and the images they capture to help build your claim.

Hail damage roof insurance coverage is typically included in standard homeowners policies as a covered peril. Always review your policy to understand your specific coverage limits and any exclusions that may apply.  

Wind Damage Roof Coverage

High winds from thunderstorms, tornadoes, and microbursts can lift shingles or even tear off sections of roofing. In the Northeast, we are relatively shielded from many major wind storms, but small tornadoes, microbursts, and hurricanes can still send high winds through the region, accompanied by rainstorms, especially from early spring to fall. 

Wind damage roof coverage is generally included in homeowners insurance policies, though some coastal areas may require separate windstorm insurance. Documentation is key—take photos of the damage and keep records of when the storm occurred to support your roof leak insurance claim. This is helpful in building your case for the claim, which Graves Brothers’ estimate team can help with. 

Tree Damage Roof Coverage

When a tree or large branch falls onto your roof during a windstorm or due to severe weather, your homeowners insurance typically covers the damage. Coverage generally applies when the tree falls due to weather events like wind, lightning, or heavy snow.

If the tree was dead, diseased, or poorly maintained and falls without a weather event, it will be more difficult to successfully create a claim, which is why regular property maintenance and tree care are important—not just for safety, but also for protecting your insurance coverage. If you are in the Rochester, NY area, Woodeez Tree Service is a great tree maintenance company that is known for their excellent service.

Storm Damage Roof Repair

Storm damage roof repair coverage encompasses various weather-related events including heavy rain, lightning strikes, and severe thunderstorms. If a storm causes your roof to leak, lose shingles, or sustain structural damage, your homeowners insurance may cover the cost of repairs.

The key factor is that the damage must be sudden and accidental—not the result of gradual deterioration or lack of maintenance. For example, if a severe windstorm tears off a section of your roof that leads to a roof leak, you may be able to make a claim. But if years of neglect finally lead to a leak during a rainstorm, it will be more difficult to get insurance to pay for the damage.

Again, every insurance plan is unique to your area, your plan level, and your home, but Graves Brothers can help you make a claim with our exterior estimate services!

Graves Brothers’ Roofing Warranties

At Graves Brothers, we understand that dealing with roof damage and insurance claims can be stressful. That's why we're committed to providing not only expert roof repairs but also comprehensive warranty coverage that gives you peace of mind long after the work is complete.

We offer a 5-year roofing warranties, which cover workmanship and installation on your roof repair or replacement project. If any issues arise due to how we installed your roof, we'll make it right at no cost to you.

Manufacturer's warranties vary based on the roofing products you choose. We work with top-quality manufacturers who stand behind their materials with warranties ranging from 10 years to lifetime coverage, depending on the product. Contact us to learn more about the specific warranty options available for your roofing project.

Contact Graves Brothers for Emergency Roof Services

If your roof has suffered damage from hail, wind, tree, or storm damage, Graves Brothers can help you with repair and replacement services. Once you and your family are safe, contact us and our team will expedite an estimator to help you appraise the damage.

If you have more questions about estimations or roof services, our team is always here to help! Give us a call at 844-904-7663 or fill out our contact form and our team will quickly be in touch.