FAQs About Roof Damage and Homeowners Insurance

Owning a home comes with numerous responsibilities, and one of the most significant is maintaining the roof. Roof damage can be a stressful and costly issue, but homeowners insurance can provide relief. However, navigating the insurance process can feel daunting, making it important to work with a contractor who will help you navigate the claims process. At Mike Home Improvements, our team will work directly with your insurance to help the process go as smoothly as possible. Here’s a look at some of the frequently asked questions about roof damage and homeowners insurance.
Does homeowners insurance cover roof damage?
Yes, homeowners insurance typically covers roof damage, but the extent of coverage can vary. Most standard policies cover damage caused by sudden and accidental events, such as storms, hail, wind, or fire. However, damage resulting from standard wear and tear or poor maintenance is usually not covered. It's essential to read your policy carefully to understand what is and isn't included.
What types of roofs are covered?
Most homeowners insurance policies cover various types of roofs, including asphalt shingle, metal, tile, and slate. However, some materials may have different coverage terms or limitations. It's important to verify with your insurer what types of roofs are covered under your policy.
Is there a deductible for roof damage claims?
Most homeowners insurance policies have a deductible, which is the amount you must pay out-of-pocket before your insurance coverage kicks in. The deductible amount can vary depending on your policy. It's crucial to know your deductible and factor it into your decision to file a claim.
Will my premiums increase after a roof damage claim?
Filing a claim may result in a premium increase, but this depends on several factors, including the severity of the damage, your claims history, and your insurance company's policies. It’s important to weigh the cost of repairs against the potential increase in premiums before filing a claim for minor damage.
Where can I find a roofer in Syracuse that works directly with insurance companies?
For a
roofer in Syracuse, NY that works directly with insurance companies, contact Mike Home Improvements at
315-221-9847. Our team will work diligently with your insurance to minimize stress for you. Feel free to give us a call today to
request an estimate!









