Will Homeowners Insurance Cover Shingles Blown Off Roof?
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482It is always best to talk with your Insurance Professional about the terms and conditions of your policy, but generally speaking, wind damage is a covered peril in most Homeowners policies. Now, that having been said, in coastal areas, where states allow, insurance companies can apply coverage limitations or specific deductibles for damage caused by wind.Answered on May 14, 2014flag this answer
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaA roof has a shorter life span than the rest of the house. As a result many insurance companies do not provide “replacement” coverage for a roof. Instead they determine the life of the roof and repair the roof under the policy using the cash value of the roof. If a $15000 roof has $5000 of damage and is midway through its life, you could expect a settlement that would help repair your roof but would not replace the roof.Answered on May 14, 2014flag this answer
21750 POINTSview profileJim WinklerCEO/Owner, Winkler Financial Group, Houston, TexasThat is a great question! Check with your agent to be certain, but you should be covered for the repairs. How bad was the damage? If it's just a few shingles, and the estimate is less than your deductible amount, you are wiser to not file a claim, as you'd end up paying for it anyway, and you will spare yourself the chance of an increased premium as a result of the filed claim. You also may have problems because of the reason for the lost shingles. Hurricane damage, or tornado damage may not be covered with out a rider, where you live. Best bet? Get a repair estimate, compare it to your deductible amount, and proceed from there. Good luck, and thanks for asking!Answered on May 14, 2014flag this answer
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