North Texas Roof RX

Does Homeowners Insurance Cover Roof Damage from Fallen Trees

October 18, 2022

While trees can create excellent curb appeal for your home, they are a hazard during significant storms. Most insurance policies cover roof repairs or replacement from falling limbs or trees. But you need to ensure the tree damage wasn’t caused by neglect on your part. You’ll need to prove your case if you’re dealing with an insurance adjuster who won’t offer you coverage because of neglect. The best way to ensure coverage is to understand the process and educate yourself on the steps you must take as a homeowner to protect your roof. Let’s discuss the insurance process regarding roof damage from fallen trees.

What Do I Need to Know About Insurance Claims for Fallen Trees?

Most homeowners insurance policies cover tree damage if a tree falls on your home and damages your roof or property. You may also receive reimbursement for the cost of removing the tree as well.

When damaging weather conditions cause trees to fall on your property, it’s crucial to call a professional roofing contractor immediately. The longer you wait to initiate repairs, the less likely you will be to ensure insurance coverage for your expenses. Since progressive damage typically occurs when roofing repairs are pushed off, your insurance company may claim that your neglect caused some damage.

Does Homeowners Insurance Cover Damage from Wind and Hail?

If you have homeowners insurance, you may be covered for tree-puncturing roof damage. If a storm damages your home and causes a tree to fall and puncture your roof, your policy will likely cover the damage. However, you’ll need to read your policy carefully before filing a claim.

Some exclusions to your coverage may be listed in the policy terms. For example, most policies don’t typically cover repairs and replacements if a tree has fallen on your roof from damage by earthquakes or floods. If you don’t have coverage for this type of loss, you may want to purchase an addendum to your policy that includes a supplemental agreement to cover this type of damage. While it will cost you extra in your monthly premium, the additional coverage gives you peace of mind and security if a storm damages your roof. Check read our post, 6 Common Problems with Shingle Roofs, to learn more about common shingle roof problems and to contact your local roofers right away for repairs.

What Should I Do If a Tree Punctures My Roof?

If a tree punctures your roof, you need to take steps to ensure your coverage. With this type of damage, it’s critical to document as much as possible. If it’s safe, take pictures and videos to document the damage. Safety should always be your priority, so make sure everyone in your house is secure before taking any other actions.

Contact your insurance company immediately to report the damage and call North Texas Roof Rx to schedule an inspection. The faster you act, the more likely you will have your coverage approved and your roof repaired.

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