Introduction
Buying a new home is an exciting milestone, but discovering issues with the roof soon after closing can be frustrating and stressful. If you’ve bought a house and need to turn the roof in on insurance, you may be wondering what steps to take, whether your claim will be approved, and how to navigate the insurance process effectively.
Roof damage can be costly to repair or replace, making it essential to understand your homeowner’s insurance policy and how to file a successful claim. This guide will walk you through everything you need to know, from determining coverage eligibility to maximizing your chances of getting your roof repaired or replaced through insurance.
Does Home Insurance Cover Roof Damage?
Before filing a claim, you need to determine whether your homeowner’s insurance policy covers the roof damage. Most insurance policies cover sudden and accidental damage, but they may not cover general wear and tear.
What Types of Roof Damage Are Typically Covered?
Home insurance policies usually cover roof damage caused by:
- Storms and Wind Damage – If high winds tear off shingles or damage the structure, your policy may cover repairs or replacement.
- Hail Damage – Many policies cover hail damage, but some have specific exclusions based on location.
- Falling Objects – If a tree or debris falls on your roof, insurance may cover the damage.
- Fire or Vandalism – Any damage caused by fire, vandalism, or acts of theft is usually covered.
- Water Damage from Sudden Leaks – If a storm causes a leak that damages the interior of your home, your policy may help pay for repairs.
Read too: How To Replace Roof Shingles That Blew Off: A Comprehensive Guide
What Roof Damage Is Not Covered?
Insurance companies typically do not cover:
- Old or Worn-Out Roofs – If your roof is at the end of its lifespan (20+ years for asphalt shingles), insurance may deny your claim.
- Neglect or Lack of Maintenance – Failure to perform routine maintenance can lead to claim denial.
- Gradual Deterioration – Cracking, curling, or minor leaks due to age are not considered “sudden” damage and are usually excluded.
Knowing what your policy covers is essential before you start the claims process.
Signs You Need to File a Roof Insurance Claim
If you’ve bought a house and need to turn the roof in on insurance, you must first assess whether the damage is significant enough for a claim. Look for these signs:
- Missing or damaged shingles – If large sections of shingles are missing after a storm, your roof may be compromised.
- Water leaks inside your home – Water stains on ceilings or walls can indicate a serious roof issue.
- Hail dents or impact damage – Hail can leave visible marks on shingles, gutters, or flashing.
- Sagging or structural damage – A sagging roofline could mean hidden damage that requires immediate attention.
- Debris or fallen tree limbs – If a tree fell on your home, it’s crucial to document the damage and file a claim quickly.
If any of these issues apply to your roof, filing an insurance claim might be the best course of action.
Bought a House? Need to Turn Roof in on Insurance? Here’s How to File a Claim
1. Review Your Home Insurance Policy
Before filing a claim, read through your homeowner’s insurance policy to understand:
- What types of damage are covered
- Your policy’s deductible (the amount you must pay before insurance kicks in)
- The claim filing deadline (some policies require claims to be filed within a certain timeframe)
2. Document the Roof Damage
Insurance companies require proof of damage before approving a claim. Gather the following evidence:
- Photos and videos – Take clear pictures of the damage from multiple angles.
- Date of the incident – If the damage occurred due to a storm, note the date and check weather reports as supporting evidence.
- Interior damage – Document any water stains, leaks, or ceiling damage inside the home.
- Previous roof condition – If available, provide an inspection report from when you purchased the home.
3. Contact Your Insurance Company
Once you have documentation, contact your insurance provider and inform them that you need to file a claim. They will guide you through the process and may request additional details.
4. Schedule an Inspection with an Insurance Adjuster
Your insurance company will send an adjuster to inspect the damage and determine whether your claim is valid. To ensure a fair assessment:
- Be present during the inspection.
- Have a trusted roofing contractor provide a second opinion.
- Show the adjuster all documented damage, including photos and videos.
5. Get a Roofing Contractor Estimate
While waiting for the insurance adjuster’s decision, obtain a quote from a professional roofing contractor. This helps ensure you receive a fair payout from your insurance company.
6. Understand the Payout Process
If your claim is approved, your insurance company will typically issue a check in two payments:
- First check (ACV – Actual Cash Value) – Covers the roof’s depreciated value.
- Second check (RCV – Replacement Cost Value) – Issued after repairs are completed, covering remaining costs.
If your policy only covers ACV, you may need to pay the remaining balance out of pocket.
7. Hire a Reputable Roofing Contractor
Once your claim is approved, choose a licensed and insured roofing contractor to complete the work. Avoid “storm chasers” or contractors who pressure you into signing agreements before your claim is processed.
What If My Roof Insurance Claim Is Denied?
If your claim is denied, don’t panic. You still have options:
- Request a detailed explanation – Ask why the claim was denied and whether you can provide additional documentation.
- Get a second opinion – Have an independent roofing contractor assess the damage and provide a report.
- Appeal the decision – Many insurance companies allow homeowners to appeal a denied claim.
- Consult a public adjuster – A licensed public adjuster can negotiate on your behalf.
- Consider legal action – If you believe your claim was unfairly denied, consulting an attorney may be an option.
Preventing Future Roof Damage
To avoid future roof issues and insurance claims, follow these preventive measures:
- Schedule regular roof inspections – Have a professional inspect your roof annually.
- Clean gutters and downspouts – Prevent water buildup that can lead to leaks.
- Trim overhanging branches – Reduce the risk of falling tree limbs damaging your roof.
- Check attic ventilation – Proper airflow prevents moisture buildup and premature roof aging.
- Repair minor issues promptly – Fix small leaks or damaged shingles before they turn into major problems.
Conclusion
If you’ve bought a house and need to turn the roof in on insurance, understanding the claims process is essential for getting the financial help you need. Start by reviewing your policy, documenting the damage, and working with your insurance company and a trusted roofing contractor. If your claim is denied, don’t give up—there are ways to appeal and fight for coverage.
By staying proactive and maintaining your roof regularly, you can protect your investment and avoid unexpected expenses in the future.
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