Is my roof covered by homeowner's insurance?

When assessing the damage caused to a homeowner or commercial property owner's roof by a storm, they will ask themselves whether homeowners’ or commercial property insurance covers the necessary repairs.


The claim process may be daunting, but Smart Claims public adjusters has the experience you need to work with your insurance company.


Most policies (check your state) cover the following:

  • Damage caused by water and ice

  • Lightning strikes and power surges

  • Wind, hail, and fallen trees

These are broad definitions. A property owner would need to exam their insurance policy to learn what their insurance covers. For example, you might need to know the nuances with water damage as it relates to appliances and seeing if that is even covered.

Things like these may change from year to year which is why it is critical that you review your insurance policy every time you renew with your insurance carrier.


If you notice that a storm has damaged your property (leaks), contact a public adjuster to get things moving. Also, keep track of your expenses as they relate to the damage.


What If Your Insurance Carrier Is Trying to Deny Your Claim?


If you believe that your insurance carrier is trying to underpay or deny your claim (happens a lot), your best option may be hiring a public insurance adjuster. Public insurance adjusters represent clients negotiating with their insurance company. There is no reason you should settle for anything less than your full insurance payout.


Many property owners have no idea that a severe storm impacted their property.

You may be entitled to a claim payout.

Contact us to find out


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