Are Roofs Covered by Building Insurance?

How do I claim damage to the roof from insurance?

As a commercial property owner, you know how important your roofing system is. It’s an investment, and you need to ensure your commercial roof is in good shape to protect your investment. Things can happen, however, which can cause harm to your roof. One of the first things you need to do when damage develops on your roof, besides calling a roofer for repair or replacement service, is to call your insurance company. Your insurance company will be able to cover the full or partial cost of repairs or a replacement, depending on the type of damage you have on your roof. But what kind of roof damage does the insurance cover? Your insurance company covers damages known as covered perils. Hazards, fire, and wind damage would be covered. So your insurance provider can cover it if you have hail damage on your roof or some of your roofing has been torn off because of strong winds.



A lot of people want to know about roof leak insurance claims, and that can be tricky. Roof leaks are covered if they are caused by a covered risk, so if your roof develops a leak due to damage to wind or hail, then insurance would cover the roof leak. The only time insurance would not cover repairs is if your policy excluded hail and wind damage. If the leak develops due to wear and tear on the roof or lack of maintenance, then, unfortunately, repair costs will not be covered by insurance. “It snows in Lubbock sometimes, so you might be wondering, “Does the insurance cover snow damage to the roof? Usually it does, but it depends on if this type of damage is covered by your coverage. Many individuals want to know how roof insurance claims work and how you claim roof damage on your insurance when you have to file a roof insurance claim. We can go into more detail regarding these questions below.


Insurance Claim Process for Roof Damage

If you think a storm has damaged your commercial roof, then it is essential to look for damage to your roof. Through taking images, you can document this damage. You can call a roofing contractor to inspect your roof if you are uncomfortable getting on your roof to look at it. You’ll want to call your insurance company to file a claim once it has been confirmed that you have roof damage. You’ll want to talk to them about what your policy covers, so that when they come back and say they can’t cover the cost of repairs or a replacement, you’re not shocked. It can be stressful to file a roof insurance claim, but knowing what to expect may make it better. These are the steps taken during the process of making claims for roof insurance.


  • Roof Inspection: A roofer will conduct a comprehensive roof inspection to find out if there is damage to your roof and to see how severe it is.
  • File Insurance Claim: You will need to call your roof insurance company to file a claim once you know there is damage to your roof.
  • Estimate Roof Services: Your roof insurance company will send out one of its adjusters to inspect your roof and then provide an estimate of what repairs or a replacement would be for your insurance company.
  • Roof Services: You can get your roof repaired or replaced by your preferred roofer if your claim is approved by your insurance company.


In Virginia Beach, if you need to find a Virginia Beach Roof Company Near Me, then call SmartLiving. 



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