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Roof Coverage You Need In Your Home Insurance Policy

Dec 18


Home insurance policy basics are just that basic. You’ll want to purchase enough coverage to replace your home and any personal belongings in the event of damage, but you don’t want to overspend on the coverage you don’t need. Roof coverage is one example of this you may already have enough coverage through other areas of your home insurance policy, like your replacement cost or valuable items endorsement. This can help you save money on premiums, and it means less money out of your pocket if something happens to your roof or other parts of your home that fall under the roof coverage section of your policy.

Roof Coverage

A lot of people think that just because they live in an apartment or in a house, their roof isn’t going to need any kind of coverage or protection. However, even if you live in an apartment building, there are certain protections you can have on your roof and in your home insurance policy. If you don’t take the time to make sure that your roof is protected, you could wind up paying more than you thought when it comes time to file a claim on your insurance policy.

Roof Replacement

A homeowner’s insurance policy typically covers roof replacement and repair but only up to a certain point. The coverage limit is set by your insurer based on how much liability it would have if your house caught fire and you weren’t covered for all of your belongings. For example, if you have $500,000 in possessions, some insurers may only agree to pay for $250,000 worth of repairs and replacement leaving you with $250,000 out of pocket. 

If you want to be sure that you aren’t left without roof protection after an accident, consider asking your insurance provider about adding extra roof coverage. This can usually be done at no additional cost or will even reduce your premiums significantly when done properly through home value protection plans. The roof damage adjuster near me is licensed by local jurisdictions so make sure that yours has a valid license before signing any contract or paying any money.

Storm Damage

Roof damage from severe weather is common. While most homeowners have insurance that covers replacement, it often doesn’t cover all costs of replacing a roof. Make sure your policy includes adequate coverage for storm or wind damage to your home’s structure and contents. If you have a basic homeowner’s policy, contact your provider about upgrading to comprehensive or windstorm coverage for an additional charge. This may be especially important if you live in an area prone to hurricanes, blizzards, tornadoes, or hail storms.

Shingle Leaks

If you’ve ever experienced a shingle leak, you know how much of a headache it can be. Not only is it annoying and disruptive to your daily routine, but it’s also costly as well. That’s why you want to make sure that your insurance policy offers coverage for shingle leaks. If you don’t have such coverage, it might be worthwhile to add it on.

Advantages of Shingle Leaks

When you need your shingles replaced, there are several advantages to asphalt or rubber roofing. Shingle leaks can be less costly than other types of roofing methods because they require minimal maintenance and are cheaper to repair. The majority of homes will have a lifetime warranty on their shingles, which will protect homeowners from shingle issues for as long as they own their homes.

Wind Damage

Fierce winds can uproot trees, throw shingles, and lift off a roof’s protective layer. It’s a scary risk to take when you’re in your house—this is why it’s important to have wind damage covered as part of your homeowner's insurance policy. Wind coverage isn’t included with all policies; check with your insurer for details about whether or not it's available for your home.

Pros and Cons of Wind Damage

Not every claim involving a damaged roof is going to be straightforward, but for those that are it's important to understand how Select Adjusters can affect your claim. To help you avoid complications and delays, here are some of their pros and cons. Pros and Cons of Wind Damage to see how wind damage may impact your home insurance policy. Learn more about why having your roof inspected by Select Adjusters could be beneficial when filing a homeowner’s insurance claim after a storm. Learn more about what to expect during an inspection and how Select Adjusters assess wind damage. Learn more about whether or not wind storms are covered under homeowners’ policies, and what exclusions apply if they aren't covered. Learn more about any deductibles that apply to different types of claims and whether or not there are limits on certain damages as well.

Hail Damage

If a hailstorm damages your roof, you’ll be glad to know that it is likely covered under your insurance policy. Although not all insurers include hail damage in their standard home insurance policies, most will offer it as an add-on coverage at an additional cost. If you have hail damage, but don’t have coverage for it and need to file a claim, expect premium hikes on your next annual policy renewal or at worst cancellation of your policy.

What is hail damage?

Hail is frozen rain. It’s formed in thunderstorms by water droplets that freeze in contact with very cold air. The result is a hailstone, which is usually made of ice or snow and can vary greatly in size depending on how long it takes to melt after it falls from its cloud. Most hailstones are smaller than golf balls, but they can grow as large as two feet across! A hailstorm can do major damage to homes in minutes.

Main Gutter Issues

Gutters that leak or overflow onto your roof can lead to water damage and lower your home’s value. Roof damage isn’t covered by standard homeowners insurance, but you can add an endorsement for roof coverage for about $50 per year, which protects against water damage caused by a leaking or overflowing main gutter. However, you should also hire a public adjuster near me in case of damage to build up a negotiation strategy. Public adjusters help you get all possible insurance money after a loss.



Many people don’t realize that roof coverage is an important feature of your home insurance policy. That’s why we recommend taking a few moments to think about what kinds of coverage you need, and using our guide as a starting point for exploring all of your options. The more you know, after all, the better off you’ll be when working with a public adjuster near me. Having proper roof coverage can help protect your assets in case something unexpected ever happens to your home.