Shingles Blown Off Roof Insurance

Wood damaged shingles or shakes.

Shingles blown off roof insurance.

Shingles and other roofing products can be blown off and hailstones are known to leave obvious indentations in the roof surface. 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. Replacement coverage provides for returning the roof to a brand new condition when an event that is covered by the insurance policy takes place. Splitting shingles blown off curling and mold or decay over time.

If you are referring to the roof then yes home would cover shingles for the perils of the policy. 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. From their perspective you should have called a roofing professional to inspect and maintain your roof. 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.

In most states there are two types of coverage. Your insurance company may also refuse to cover your roof damage if you attempt to make a minor roof repair and end up making the situation worse. Repair coverage and replacement coverage. 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. Broken damaged or missing shingles curling and a loss of granulation. 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. Crumbling ripples and unevenness in the cement.

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. 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. If it s just a few shingles and the estimate is less than your deductible amount you are wiser to not file a claim as you d end up paying for it anyway and you will spare yourself the chance of an increased premium as a result of the filed claim.

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.