The #1 Question We Get After Every Storm

After a big storm rolls through Connecticut or Westchester NY, our phone rings nonstop. And the first thing almost every homeowner asks is: “Is this covered by my insurance?”

The honest answer? It depends. But we’re going to break it down so you know exactly where you stand before you even pick up the phone.

What Insurance Typically DOES Cover

1. Wind Damage
   If a storm blows off your shingles, lifts your flashing, or causes structural damage, most standard homeowner’s policies will cover it. This is the most common claim we help homeowners file in CT and NY.
2. Hail Damage
   Hail leaves dents and cracks in shingles that aren’t always visible from the ground. Insurance covers hail damage when it’s documented properly with photos and a professional inspection report.
3. Fallen Trees or Debris
   If a tree falls on your roof during a storm, that’s typically covered under your dwelling coverage, regardless of whose tree it was.
4. Fire Damage
   Any roof damage caused by fire is almost always covered. This includes damage from a neighbor’s fire that spreads to your property.
5. Ice Dams
   Ice dams form when heat escapes through your roof and causes snow to melt and refreeze at the edges. Some policies cover the resulting interior water damage, though coverage varies.

What Insurance Typically Does NOT Cover

1. Normal Wear and Tear
   If your roof is just old and worn out, insurance won’t pay for it. A 25-year-old roof that’s simply reached the end of its life is a maintenance issue, not a covered loss.
2. Neglect or Poor Maintenance
   If you’ve had a slow leak for years and never fixed it, your claim may be denied. Insurance companies expect homeowners to maintain their property.
3. Improper Installation
   If your roof was installed incorrectly by a contractor, that’s not a covered peril — it’s a contractor liability issue.
4. Cosmetic Damage Only
   Some policies exclude cosmetic damage, like minor dents from hail that don’t affect the function of the roof.
5. Flood Damage
   Standard homeowner’s insurance does not cover flooding. You need a separate flood insurance policy for that.

How Old Is Too Old for an Insurance Claim?

Most insurance companies look at the age and condition of your roof before approving a claim:

• Under 10 years old: Full replacement value, no problem.
• 10–20 years old: May be covered, but depreciation applies.
• Over 20 years old: Some insurers will only pay actual cash value, not full replacement cost.

This is why acting fast matters. The sooner you file after storm damage, the better your chances of a full payout.

The Insurance Claim Process — Step by Step

1. Call a licensed roofing contractor for a free inspection before calling your insurance company.
2. The contractor provides a detailed damage report with photos.
3. You file the claim with your insurance company.
4. An insurance adjuster comes out to assess the damage.
5. If approved, you receive a settlement. Your contractor works directly with the insurer on pricing.
6. Your roof gets replaced, often at little to no out-of-pocket cost to you.

What If My Claim Gets Denied?

Don’t give up. Claims get denied for several reasons, including wrong documentation, missed deadlines, or adjuster error. You have the right to:

• Request a re-inspection
• Hire a public adjuster
• File a formal dispute with your state insurance department

We’ve helped homeowners in Connecticut successfully appeal denied claims. It happens more than you’d think.

Frequently Asked Questions

Will filing a roof claim raise my insurance rates?

It can. One claim usually has minimal impact, but multiple claims in a short period can raise your premium or affect your policy renewal.

How long do I have to file a roof damage claim?

Most policies require you to file within 1 year of the damage. In Connecticut, the standard is typically 1–2 years. Don’t wait.

Can I choose my own roofing contractor?

Yes. Your insurance company cannot force you to use a specific contractor. You have the right to choose a licensed local contractor.

What is ACV vs RCV?

ACV means Actual Cash Value. It pays the depreciated value of your roof. RCV means Replacement Cost Value. It pays for the full cost of a new roof. Check your policy to see which one you have.

Does insurance cover a full roof replacement or just repairs?

If the damage is significant and widespread, most insurers will approve a full replacement rather than a patchwork repair.

The Bottom Line

If your roof took storm damage, even if you’re not sure, get a professional inspection first. A licensed contractor can identify damage you can’t see from the ground and give you the documentation you need to file a strong claim.

At Xpert Roofing Pro, we’ve helped hundreds of homeowners in Connecticut and New York navigate the insurance process and get their roofs replaced at little to no cost.