Does Homeowners Insurance cover partially damaged roofs?

During the fall and winter in southwest Virginia it’s common for cold fronts to bring strong winds to our area.

So what happens if a storm damages your roof and blows some shingles off? Is this covered by your homeowners policy?

Yes, partially damaged roofs are covered on your homeowners policy. However, your deductible applies first before coverage is available. Remember that your policy deductible is the amount you’re responsible for before insurance “kicks in.”

Homeowners insurance only pays for the damaged part of the roof. So if a storm blows some shingles off or if the roof is partially damaged, your policy will not pay for a brand new roof. Again, only the damaged part is covered.

A typical homeowners policy will have a deductible of $1,000. It’s a good idea to review your deductible every few years to see if you have enough cash saved in case of a claim. A higher deductible will lower your policy premium.

Serving the Commonwealth of Virginia For Over 50 Years!

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

We’re here to serve you.