If a storm has damaged your roof, the first question most homeowners ask is whether insurance will cover it. The honest answer: it depends on your policy, your deductible, and when the damage happened -- there's no one-size-fits-all answer.
What's usually covered
Most homeowners insurance policies cover roof damage caused by a specific, sudden event -- hail, wind, a fallen tree limb -- rather than gradual wear. A policy that covers "replacement cost" pays to replace the roof; one that covers "actual cash value" factors in the roof's age and depreciation, which can mean a smaller check.
What a claim usually involves
An adjuster typically inspects the roof, documents the damage, and issues an estimate. Having your own inspection and photos on file before the adjuster arrives can make the process faster and more accurate.
How Brothers Roofing and Construction can help
A free roof inspection gives you documentation of the damage and an honest opinion on whether it's worth filing a claim at all. We don't handle, negotiate or adjust your claim -- that's between you and your insurer (or a licensed public adjuster, if you hire one). What we do is give you a documented, photo-backed inspection you can hand your insurer, and we're glad to be on site when the adjuster visits so we can point out what we found.
Call (614) 436-5588 or use the form below, and we'll get back to you -- usually the same business day.