Does Homeowners Insurance Cover Roof Hail Damage? What You Need to Know Before Filing a Claim
If you’re a Bend homeowner dealing with roof damage after the recent hailstorm, it’s natural to wonder whether your homeowners insurance will cover repairs. While most standard policies include hail damage, understanding the details, limitations, and proper process can save you headaches. Most importantly, it will ensure your claim is handled correctly.
What’s Typically Covered
Standard homeowners’ insurance policies generally cover:
Roof damage from hail or wind: This includes broken or missing shingles, leaks caused by storm damage, and other hail-related impacts.
Repair or replacement costs: This depends on your policy, but insurers may cover repairs to restore your roof to its pre-damage condition or fully replace it if damage is extensive.
Additional related damages: Sometimes, damage to gutters, vents, or skylights caused by the hailstorm may also be included.
Common Exclusions or Limitations
Even with coverage, there are things that may not be included:
Wear and tear or pre-existing damage: Insurance generally won’t cover damage from aging shingles or deferred maintenance.
Cosmetic damage: Some policies only pay for functional repair, not purely aesthetic imperfections.
Deductibles: Your out-of-pocket deductible applies, so coverage may not kick in for minor damage.
Filing a Claim:
Document the damage: Take clear photos or videos of the affected areas, including the roof, gutters, and any interior leaks.
Contact your insurance company: Notify your insurer as soon as possible. Most have deadlines for storm claims.
Schedule an adjuster inspection: The insurer will send an adjuster to assess the damage. Our Greenlee Roofing team can coordinate with your adjuster to ensure everything is documented accurately.
Get a written estimate: We can provide detailed bids, which are submitted to the insurance company for approval.
Review and approve: Once approved, repairs can begin. We’re here to make sure all documentation matches what the insurance company expects to avoid delays.
Bend has seen some major hailstorms in recent years, but most notably the huge storm that happened on August 3rd, and insurance timelines can vary. After a significant event, adjusters may be in high demand, so filing promptly is crucial. The Greenlee Roofing team is experienced in navigating these local conditions and can help you track deadlines and work efficiently with adjusters.
A Note on Hail Job Discounts
We handle every hail-related repair ethically and legally. We do not offer undisclosed discounts on hail jobs. This ensures your claim is properly documented and above board. Military and senior discounts still apply, but all pricing is transparently included in the official quote.
Hail damage can be stressful, but knowing your coverage, documenting carefully, and working with a local expert who is here in Bend year round like Greenlee Roofing can make the process smoother. With the right steps, you can protect your home and ensure repairs are completed efficiently and legally.
