Is Storm Damage Covered By Insurance?

A Picture of a Hail Damaged Roof That Has Been Marked Up By an Insurance Adjuster.

Who Is Liable for Storm Damage?

Every year Indianapolis, IN is affected by storms. When severe storms pass through, they can leave a ton of damage in their wake. Homes are prone to damage when a severe storm strikes, with the most vulnerable areas being the roof, windows, siding, and more. When your home has been damaged, it’s important to get repairs or replacements as soon as possible. While this is really important, it can cost a lot of money. Fortunately, if you have homeowners insurance, you can file an insurance claim for storm damage.

Many homeowners who have insurance typically ask if storm damage is covered by their insurance. Your insurance provider will be able to cover the cost of damages depending on the type of storm that has affected your home. For example, hail, lightning, and wind are covered by your insurance. If an earthquake or flood is involved, then your insurance company will not cover the cost of those types of damages. Because roofs are usually the areas of your home that get the brunt of the damage, a lot of people ask, “Does insurance cover roof replacement?” Again, it depends on how it was damaged. Most insurance companies will cover perils such as fires, hail, and wind that damaged your roof.

How Do Storm Damage Insurance Claims Work?

The first thing you need to do after a severe storm is to file a claim with your insurance provider. Once the claim has been filed by your insurance company, they will send out an insurance adjuster to inspect your property. The areas that the adjuster will look at are the exterior of your home, as well as the roof. If they see that there was sufficient damage due by the storm, they can submit their inspection report to the insurance company, and from there the insurance company can decide whether or not they will cover the cost of repairs or replacements.

In order for all of this to happen, you have to file a storm damage insurance claim. The problem is that a lot of homeowners don’t know how to file an insurance claim. Knowing how to file a storm damage insurance claim will make the process a lot smoother. Here are the steps to filing a claim.

  • Know Your Coverage: Before you file a claim, its imperative that you know what your insurance covers.
  • Inspect Home for Damage: Just because a severe storm has passed through doesn’t necessarily mean your home was harmed. Inspect the exterior of your home (and roof if you have the proper safety gear) to see if there are damages.
  • Gather Evidence: If there are signs of storm damage, you will want to document it by taking pictures. This will be important evidence to have.
  • Call Your Insurance Provider: When you call your insurance company they generally give you a claims number and agent to work with. They can help you through the entire process.
  • Hire a Contractor: If your claim goes through and you accept the amount they give you, call someone to repair your roof and the exterior of your home.

Does Insurance Cover Storm Damage to Roof?

The biggest area of your home that suffers the most damage is usually the roof. When it comes to your insurance coverage, you are probably wondering if it will cover storm damage to your roof. Your insurance company will more than likely cover the cost of roof damages due to a severe storm, but it will depend on what type of storm-damaged your roof. It’s important to note that the kind of coverage you have for your roof will be based on the age of your roof.

Hail Storm Roof Damage Insurance Claim

Hail damage is covered by your homeowner’s insurance, but there are a few things that help determine whether if the damage will be covered. The age of the roof plays a huge role in whether your hail storm damage roof insurance claim will be covered. If your roof is less than 10 years old, then the damage will likely be covered in full; for roofs that are older than 10 years old, they may only give you money based on the depreciated value of your roof.

Wind Storm Roof Damage Insurance Claim

Wind damage, as well as fallen trees due to severe winds, will be covered by your insurance company. Just like hail damage, your storm damage insurance claim might not be covered in full based on the age of the roof. It’s important to note that not all insurance companies follow this policy, but it’s important you know what your insurance company will provide and what the fine print says.

What Type of Water Damage Is Covered By Homeowners Insurance?

A Picture of an Insurance Adjuster Looking at a Clipboard.

Can I File an Insurance Claim for a Leaking Roof?

There are only a few things that insurance companies will cover in terms of water damage. Rain, snow, roof leaks (if the leaks are due to storm damage and not lack of maintenance), mold, burst pipes, water from extinguishing a fire. Water damage that your insurance company will not cover is from flooding, plumbing pipes that weren’t maintained, or pipe backups. If you have filed a storm damage insurance claim in Indianapolis, IN for roof storm damage repair and it has been denied, call the public adjusters at Hope Public Adjusters. We have an insurance claims adjuster who is able to help you with your insurance claim! Dial 833-312-5246 to get in touch with us today.