Does Homeowners Insurance Cover Roof Storm Damage?

Storm damage can be one of the most frustrating things you’ll deal with as a homeowner. Due to circumstances beyond your control, you’re now on the line for paying for storm damage repair—and the more fastidious you are about your roofing maintenance, the more unfair it seems to get!

But don’t start diving into your savings funds just yet; you have one more route to try before paying out of pocket: your insurance. Perfect Exteriors, your Monticello Providers of residential roofing services, is here to delve into the details.

Do I Even Have the Right Insurance?

Homeowners insurance tends to cover certain types of storm damage. The good news is that many families have this type of insurance, so while it’s not required, per se, in Minnesota, it’s highly likely that you have an untapped financial resource that can help pay for your roof’s storm damage.

What’s Covered?

You probably guessed that even a hearty policy doesn’t cover everything related to storm damage, and unless you’ve bought add-ons (endorsements, as they’re called in industry lingo), you’re generally right. Unfortunately, when it comes to storm damage, there seems to be no rhyme or reason to what’s often covered and what isn’t.

For example, flooding is hardly ever covered under standard policies, but hail damage to your  roof usually is. If your roof happens to be struck by lightning and incrues fire damage, insurance tends to lend a hand, but typical policies might not cover the resulting power surges.

At the end of the day, what your policy will cover boils down to wording, policyholder, and the specific industry standard at the given time.

This Is So Confusing!

It certainly can be! That’s why we at Perfect Exteriors are here to help.

Not only do we offer extensive storm damage repair services, but we also are always ready to help our clients deal with any insurance claims related to it that need filing. Talking to claims adjusters can be stressful—unless you’re an expert at it like we are.

Take it from an exterior contractor: when storm damage is left unattended, it can seriously damage your home. Accumulated moisture creates the perfect environment for a mold explosion, and the financial deterioration practically is exponentialized the longer it’s left.

If your insurance policy makes your head spin, don’t just give up; just contact the experts at Perfect Exteriors today.

Perfect Exteriors: For When you Need a Helping Hand

Storms can rattle you, but we’re always there when you need us. Call 763-271-8700 for personalized storm damage support in the Monticello area today.