Who doesn’t love a good rain storm? Especially when you can time it right to be sitting on the back porch and watch the storm move in. Rain gently falling or tapping on the window is fine. But, when you see water trickling down an interior wall, it is not fun anymore. Now you begin to think roof storm damage.

You go from watching the show, to home protection mode. Then all of a sudden you start thinking of all of the questions you should have asked when you spoke to your Premier Insurance Consultant.

Roof Hail or Storm Damage

Will my homeowners insurance cover storm damage to my roof? Typically, yes. However, it will depend on your policy, but homeowners insurance usually covers:

• Wind Damage
• Hail Damage
• Damage from fallen objects, like tree limbs
• Interior Damage that resulted from storm damage to your roof

Let’s say a spring storm here in the Upstate with strong winds blows shingles off your roof. Rain water makes its way through into your master bedroom and damages the wall. You should be covered.

But, if the leak in your roof was not created by the storm, then it may not be covered by your insurance. 

Preparing for a Roof Storm Damage Claim

Take Pictures… having pictures before the storm would be great! But then be sure to take pictures before any clean up starts. A claim representative would prefer to see everything in place, but understands that you might need to get the damaged areas protected and prevent even more damage.

Submit Your Claim…now it’s time to contact your Greenville insurance carrier. The team at Premier Insurance Consultants is here to help.

If you do not know, claims professionals are a lot like detectives working to learn what happened. They will work with the roofing professional you choose to repair your roof damage.

Be sure to vet any contractor you hire.

• Are they licensed and insured?
• Have they repaired any neighbors or family members homes?
• Ask for referrals from recent projects, and maybe one or two from years past.

We understand that you may have more questions about roof storm damage or your homeowners insurance policy. Contact us using our online form or call us at 864.213.9100.

---

Disclaimer: This article is not expert advice. Please check with your local Independent Insurance Agent for details.