As far as your home’s exterior goes, your roof system takes the brunt of the exposure from the elements. For homeowners in Southeast Michigan, that includes storms, snow, hail, and UV rays, among other things. With so many hazards that can potentially cause damage, you’ll want to know how insurance claims work when it comes to dealing with damage repairs.

Here, we’re going to talk specifically about the forms of damage that are likely to be covered by your homeowners' insurance. The details will vary by provider, but we’re going to go over the basics. 

What is Covered by Homeowners' Insurance?

An all-perils homeowners insurance policy is going to cover the cost of replacing your roof system if it sustains damage. However, it’s not as simple as that. Usually, your roof system will be covered only if your roof is damaged by a storm or any other type of accident. Roof damage caused by any of the following will almost always be covered by your homeowners' insurance:

  • Storms and Inclement Weather
  • Fallen Branches and Debris
  • Wildfires and Explosions
  • High Winds and Hail
  • … and more!

What is Not Covered?

Typically, general wear and tear is not going to be covered by your insurance company. Instead, you’ll have to deal with these types of roof repairs on your own. This is especially true if your roof has exceeded its intended lifespan—usually about two to four decades but this can vary depending on the roof materials used.

If your roof is older than 20 years, only limited coverage will apply—if any at all. After this point, you should look into extended coverage options or roof replacement options.

Connect with Our Local Southeast Michigan Roofers to Learn More About Your Project

If you have any concerns about roof damages and whether or not they will be covered by insurance, be sure to document all repairs. Take before and after photos and make a thorough report. Then, notify your insurance company as soon as possible. Lucky for you, many roofing companies—like Roofing PD—will compile a free damage report for you. 

If you’re ready to learn more about roof replacement projects and insurance claims, feel free to reach out to our local experts at Roofing PD. Give us a call to chat with a professional or fill out our online form to schedule a free consultation with our team today.