When it comes to home insurance, a key area of concern for many homeowners is the roof over their heads. It’s understandable because the roof is one of the most critical components of a house, protecting you and your belongings from weather conditions and external elements. Understanding what types of roofing damages your insurance policy covers is essential. In this guide, we’ve identified five common types of roofing damages that are typically covered by most home insurance policies.
Hail storms can be incredibly damaging to roofs, causing cracks, punctures or loosening of shingles. Most insurance policies include coverage for hail damage as it’s considered an ‘Act of God,’ an unforeseen event outside human control.
High winds can rip shingles off your roof or cause debris like branches or trees to fall onto your rooftop, leading to significant damage. Insurance companies tend to cover wind damage as part of their standard policies due to its unpredictable nature.