Does Homeowners Insurance Cover Roof Damage? Here’s What You Need to Know
One of the most common homeowner questions we hear is: “Does my homeowners insurance cover roof damage?” The short answer is—it depends on the type of damage and your homeowners policy. If you're dealing with a leaky roof, storm damage, or unexpected tree limbs crashing down, it's crucial to understand what’s covered and what isn’t before filing a claim.
At Teamwork Exteriors – Omaha’s most trusted roofing insurance claims expert, we guide homeowners through the often confusing world of roof insurance claims. Whether you're wondering "How often should I replace my roof in Omaha", or "How to navigate the roof damage insurance claim process", this post walks you through everything you need to know.
When Does Insurance Cover Roof Damage?
In most cases, coverage for roof damage is included in your homeowners policy—as long as the damage comes from a covered peril, such as:
Hail
Wind
Falling tree branches or tree limbs
Fire
Vandalism
However, damage due to lack of maintenance, normal wear, or aging shingles is often excluded. That means if your roof has roof leaks from long-term neglect or water damage due to clogged gutters, your insurance agent may reject the claim.
Understanding Replacement Cost vs. Actual Cash Value Coverage
Homeowners insurance policies typically cover roof damage in one of two ways:
1. Replacement Cost
This coverage pays to replace your roof with a new one of similar kind and quality, minus your deductible.
2. Actual Cash Value (ACV)
This pays you the depreciated value of your roof, taking age and condition into account.
If you're unsure whether your policy includes replacement cost or cash value coverage, now is a great time to check with your insurance agent—especially before storm season.
Common Scenarios Where You May Be Covered
A windstorm rips off shingles, causing a leaky roof
A fallen tree branch leads to structural damage
A hailstorm creates cracks that result in water damage
A lightning strike damages your roof or attic
In these cases, your insurance company is likely to approve your claim—as long as you file quickly and have clear documentation.
When Are Roof Repairs NOT Covered?
Your insurer may deny a claim due to:
Normal wear and tear
Long-term lack of maintenance
Pre-existing damage not reported
Poor installation or outdated roofing materials
Delayed claims after storm damage has occurred
If the cost of repair seems minor, your insurer may also advise temporary repairs until further assessment is made. Keeping your roof in shape with regular maintenance and inspections is the best way to avoid these situations.
How to Get Insurance to Cover Roof Replacement Omaha
Follow these steps to maximize your chances of approval:
Inspect the Roof: Look for visible damage, roof leaks, or missing shingles after storms.
Document Everything: Take photos, videos, and note all dates and weather conditions.
Call Teamwork Exteriors: We provide a free inspection and assist with the insurance claims process from start to finish.
File Your Claim Promptly: Timing is crucial—especially after a storm.
Meet with Your Adjuster: We’ll be there to make sure your damages are fully evaluated.
Understand Your Policy: Know your coverage for roof repairs and whether you have actual cash or replacement cost terms.
Why Omaha Homeowners Trust Teamwork Exteriors
We’re known as the best roofing contractors for insurance claims in Omaha, and there’s a reason for that. At Teamwork Exteriors, we specialize in:
Advocating for full coverage with your insurance company
Ensuring temporary repairs are handled quickly
Coordinating with your insurance agent
Completing your roof repairs or replacement on time
Providing honest estimates with no hidden costs
We’ve handled hundreds of claims, from leaky roofs to complete replacements caused by storm damage, and we take the hassle out of the process.
If you're unsure about your policy’s coverage for roof damage, it’s better to prepare now than after the next big storm. Know your roof’s age, keep up with maintenance, and work with professionals who understand how to get insurance to cover roof replacement in Omaha.
