Short answer
Most homeowners policies cover sudden roof damage from wind, hail or falling trees, minus your deductible. Wear, age and poor maintenance aren't covered. Document the damage, get an inspection, file promptly and meet the adjuster.
What's usually covered
Coverage depends on your policy.
- Often covered: wind, hail, falling trees and limbs, fire
- Often not covered: wear and tear, old age, poor maintenance, cosmetic-only damage in some policies
- Watch for: percentage wind/hail deductibles and actual cash value versus replacement cost
The claim process
Photograph the damage and any interior leaks, get a roofer's inspection, and file with your insurer. An adjuster inspects the roof and writes an estimate. Many roofers attend that inspection to point out damage.
Avoiding scams
Be wary of contractors who knock on doors after storms, ask for large upfront payments, or offer to cover your deductible. Get a written estimate, verify licensing where your state requires it, and read before signing.
Questions
What is a percentage deductible?
Some policies set the wind or hail deductible as a percentage of your dwelling coverage, often 1% to 2% or more, instead of a fixed dollar amount.
Will a roof claim raise my premium?
It can. Ask your agent how claims affect your rate.
This guide is general information, not professional, legal or insurance advice. Follow your insurer's instructions and local codes, and put safety first.