If you are wondering “does my homeowners insurance cover roof repair?” Camden Roofing & Construction is here to answer all your questions. Roof repairs are always costly and unpredictable.

Early roof repairments are worse, considering your insurance company leaves you on your own for the entire cost.

Understandably, many homeowners are hesitant to commit to a large home improvement project, which is why Camden is here to help.


The purpose of this article is to inform you about the damages that are covered by homeowner’s insurance and other conditions.

When Does Homeowner’s Insurance Cover Roof Repair?

Your insurance company will cover any act of nature that causes damage to your property. However, the specific coverage varies according to the incident type.

In most cases, homeowner’s insurance will cover the following incidents:


Although natural disasters are not covered by insurance, fire is an exception.


Standard insurance policies typically cover the vandalism caused by a third party.

Falling objects

Several damages occur due to things falling during storms, but insurance might not cover them all.


If your roof cracks or structurally deteriorates due to excessive settling, your homeowner’s insurance will cover the damage.


The homeowner’s insurance covers any roof damage caused by strong winds or heavy rain during storms.

When Does Homeowner’s Insurance Not Cover Roof Repair?

It is common for homeowners’ insurance policies not to cover roof repair in some cases.

The Roof is Old

Like anything else, the roof will also start making problems after completing its lifespan.

Roofs over 15 years old may not be covered by insurance companies because their expected lifetime is 15 years or longer. 

It’s advisable to replace your roof after completing its lifespan to avoid further problems, including leakage.

Improper installation

The decision to hire an inexperienced roofer may seem reasonable at the time, but it is not the best in the long run.

Your roof should be made of high-quality materials and properly installed by an experienced contractor to avoid damage.

We recommend hiring professional roofers only because installing the wrong type of roof can lead to 

several problems, including leaks galore.


We recommend regular maintenance for your roof, so your insurance will cover damages. Proper roof maintenance includes adequate inspection, removing algae, cutting tree branches, and cleaning of gutters. 

How Do You Make a Roof Repair Insurance Claim?

When it comes to claiming damages, it can be challenging, especially when you’re new to the process. A painless insurance claim can be achieved by following these four steps:

1. Maintain a Photo Album

To minimize your time communicating with your insurance company, you should always maintain a photo record of your roof’s condition.

2. Conduct maintenance

Your roof can’t be insured unless it is appropriately maintained, regardless of how new it is. It is never considered to delay fixing roof leaks because damaged roofs are more likely to collapse or leak, resulting in property damage, belongings loss, or even death.

3. Immediately Call Your Insurance

Call a professional roofer immediately if you discover storm damage to your roof and notify your insurance company.

You can file a claim for damages during a specified period with most companies. An insurance adjuster will be assigned to your claim at this point to inspect the damage and begin the claim process.

4. File Storm Damage Claim

It is always advisable to file a roof storm damage claim after you confirm the roof damage and its expenditure. 

Do not contact your insurance company if you are not sure about the cost of damages or their policies. 

Besides making a temporary repair, we will schedule the work so that no further damage can occur.

Does Homeowners Insurance Cover Rental Properties?

The insurance company’s responsibility is to protect the landowner and renter in the event of an accident. In case of an accident, renters’ insurance covers your belongings in case of a leaky roof, even though they do not have to claim insurance for the leak.

Will Homeowner’s Insurance Cover My Roof Repair?

Insurance companies are responsible for covering damages in natural incidents, but maintaining your roof is still your responsibility.

We have thousands of satisfied customers, making Camden the best choice when handling insurance claims.

For more information, contact Camden Roofing & Construction, LLC in Charlotte and Raleigh, NC at 919-729-5050