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Are Roofing Repairs Covered by Homeowners Insurance?

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Welcome to Roof Repair Solutions, your trusted roofer serving Houston, TX. With our 5-star reputation and local ownership, we’re here to provide you with valuable insights into the world of roofing and insurance. In this blog post, we’ll tackle a common question: Are roofing repairs covered by homeowners insurance? Understanding the ins and outs of insurance coverage for roofing issues can save you time, money, and stress.

What Does Homeowners Insurance Typically Cover?

Homeowners insurance is designed to protect you from unexpected events and damage to your property. While policies can vary, here are the general areas that homeowners insurance typically covers:

  • Dwelling Coverage: This part of your policy covers the structure of your home, including the roof, in case of damage from covered perils, such as storms, fires, or vandalism.
  • Personal Property: Your belongings, such as furniture and electronics, are covered if they are damaged or stolen.
  • Liability Coverage: If someone is injured on your property, your insurance can help cover their medical bills and legal expenses.
  • Additional Living Expenses: If your home is temporarily uninhabitable due to a covered event, your insurance may cover the cost of alternative living arrangements.

Roofing Repairs and Homeowners Insurance

Roofing repairs can be covered by homeowners insurance, but there are specific considerations to keep in mind:

1. Covered Perils

Insurance typically covers roof repairs if the damage is caused by a covered peril, such as:

  • Storms
  • Hail
  • Fire
  • Vandalism
  • Fallen trees

2. Age and Maintenance

Insurance may not cover roof repairs if the damage is a result of normal wear and tear, lack of maintenance, or the roof’s age exceeding its expected lifespan.

3. Deductibles and Policy Limits

Your homeowners insurance policy will have a deductible and coverage limits. You’ll need to pay the deductible before the insurance coverage kicks in, and the coverage may not exceed your policy limits.

4. Documentation and Timely Reporting

It’s crucial to document the damage with photos and descriptions and report it to your insurance company promptly. Delaying a claim can affect its approval.

When to Consider Roof Repairs

If you believe your roof has sustained damage that may be covered by homeowners insurance, here’s what you should do:

  • Assess the damage and document it with photos and descriptions.
  • Contact your insurance company to report the damage and initiate a claim.
  • Consider hiring a professional roofing contractor, like Roof Repair Solutions, to provide an inspection and estimate for repairs.
  • Coordinate with your insurance adjuster and provide them with the information they need for a fair assessment.


Roofing repairs can be covered by homeowners insurance, but it’s essential to understand the terms and conditions of your policy. At Roof Repair Solutions, we’re here to assist you with your roofing needs, including inspections and repair estimates. If you’re in need of roofing repairs or have questions about your insurance coverage, please don’t hesitate to contact us at 713-202-0890. We’re dedicated to ensuring your home is safe and protected.

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