Can Homeowners Insurance Cover Roof Replacement? (Powell, Ohio)

Hi, I’m Mark Goodwin, from eGoodwin Insurance Agency and one of the common claim calls that we get is damage to your roof. I’ve been through that myself. I know what a stressful situation that is and I wanna have Nikki talk to you a little bit about that. But before we have her talk to you, one thing, I would point out is to check what your deductible is on your roof.

Now, you may think you have $1000 deductible on your home insurance policy and maybe you do, but you may find out that your roof has a percentage deductible, like 3%. #% of what, 3% is the amount of insurance that’s on your house. So a $300,000 home is going to have a 3% deductible that is equal to $9000. So if you want something different than that, talk to your agent or give us a call, but Nicky’s gonna talk to you a little bit more about rough claims. Nicky.

Anyone who has ever had roof damage knows that it is one of the most harrowing and expensive types of damage that could happen to your home. And you know, because of these just nightmare stories, homeowners need to know whether or not roof damage is covered in a home insurance policy. And so, well, it depends, uh like most kinds of insurance, a home policy covers the types of damage that are outlined in the paperwork. So make sure that you check the details of your policy and see if you’re covered, read that fine print and if you don’t have roof replacement coverage, then you can typically add it into your policy and you know, not for nothing but because roof damage can be so costly, it’s actually a really smart thing to have. Also keep in mind that depending on what kind of roof your home has and how the damage was caused, your coverage can vary. So if you are still unsure of whether or not your roof is protected, the best thing you can do is speak with your insurance agent and let them know that you’re concerned.

We’d be happy to review your insurance coverage options with you! Give us a call at (740) 387-8335 or visit