Shingles Blown Off Roof Insurance

Wood damaged shingles or shakes.

Shingles blown off roof insurance.

You may be surprised to find out that some policies do not cover the entire cost of a new roof or prorate for the age of the roof. Some ways your roof may sustain storm damage are from hail wind ripping off shingles vents or chimneys or a tree falling on your house. Crumbling ripples and unevenness in the cement. Replacement policies are more common though they do cost more.

Your insurance policy will only cover your roof repairs if they are demonstrated to be caused by a storm or other peril. In most states there are two types of coverage. Repair coverage and replacement coverage. Broken damaged or missing shingles curling and a loss of granulation.

Keep in mind wear and tear age and deterioration are not perils of a homeowners insurance policy. Coverage would be such things as fire wind assuming there is not wind exclusion falling objects collapse due to snow. For example if a roof shingle came loose and blew off your roof exposing the underlayment to rain and you never fixed the issue your insurance would likely not cover the resulting water damage. That s because this type of roof shingles standard 3 tab asphalt shingles are installed side by side with the next upper row of shingles covering the side seams.

Some insurance claims for roofs are initially denied and some are paid out on a depreciated value for the roof. From their perspective you should have called a roofing professional to inspect and maintain your roof. Shingles and other roofing products can be blown off and hailstones are known to leave obvious indentations in the roof surface. Depends on your insurance type.

Replacement coverage provides for returning the roof to a brand new condition when an event that is covered by the insurance policy takes place. If you are referring to the roof then yes home would cover shingles for the perils of the policy. Where one shingle tab blew off your roof you have a 1 in 3 chance that the missing shingle was sitting directly above an open seam between the shingles below. Will your insurance company cover the entire cost of a new roof.

With a depreciated replacement coverage they will estimate the remaining life of the roof at the time it was damaged and pay that portion of the total replacement cost.