Frequently asked questions
Even minor damage—like a few lifted or missing shingles—can justify a claim if it compromises your roof’s ability to protect your home. Insurance companies don’t require a total loss, but they do look for verifiable storm-related damage, so it’s always smart to get a professional inspection first.
It depends on your policy, provider, and type of claim. In many cases, storm damage is classified as an "Act of God" and won’t directly raise your premiums. However, repeated claims or other risk factors could have an impact.
Most insurance policies allow 1 to 2 years from the date of loss, but some are as short as 6 months. Don’t wait—delays could result in a denied claim. We offer free, no-obligation roof inspections to help you document damage and move forward quickly if a claim is needed.
Yes! If your roof is damaged by a covered peril like wind, hail, or fallen trees during a storm, your insurance company may cover the cost of repairs or replacement.