Homeowners Insurance and Your Roof: What You Need to Know

Storms and other weather events can cause serious damage to your roof and the interior of your home. To ensure that you are prepared in the event of roof storm damage, we have compiled answers to the five most frequently asked questions.

Is Roof Storm Damage Covered by Homeowners Insurance?

In most cases, yes. The specifics of your policy may vary, but homeowners insurance typically covers:

  • Damage caused by wind.
  • Damage caused by hail.
  • Damage caused by falling objects, such as tree branches.
  • Interior damage resulting from storm damage to your roof.

For instance, if a strong gust of wind blows shingles off your roof and the opening allows rainwater to seep into your bathroom and damage the wall, your homeowners insurance policy will likely cover the storm damage to your roof and the resulting damage to your bathroom wall.

However, if the damage to your roof is due to aging, regular wear and tear, or lack of maintenance, you may not have coverage for your roof. Homeowners insurance is designed to cover sudden and unexpected events, such as wind and hailstorms.

What Should I Do if My Roof is Damaged in a Storm?

  • Take photos before and during clean-up

If you or a contractor begin cleaning up before a claim representative inspects the damage, take photos. This could include shingles on the ground, hailstones to show their size, damage to trees or personal property, and so on. If emergency repairs are required, make sure you or your contractor document the scene with photographs.

  • Prevent further damage in the meantime

Your home is probably your most valuable asset, and you want to keep it that way. Use a tarp on the roof and consider other temporary emergency repairs to prevent further damage. If necessary, you can hire a contractor to assist with these temporary repairs.

  • File an insurance claim

Contact your insurance agency to file a claim during this process.

If you hire a contractor to help you, request that they take pictures of the damage and provide a detailed estimate of the repairs required.

Why is it Important to Have My Roof Damage Evaluated?

Claims professionals are knowledgeable in roof damage evaluation and are familiar with what to look for when assessing a roof with potential storm damage. The goal of an initial evaluation is to assess the damage with the best available information.

While roofers and contractors can also evaluate roofs, they may not have the experience or training necessary to identify storm-caused damage. If you are considering asking a contractor to help inspect your roof damage, inquire about their credentials for storm damage inspections and be aware that a claims representative will still need to conduct an inspection.

Choosing the Right Contractor for Your Roof Repair

When you need a contractor to repair or replace your roof, make sure you do your research first.

  • Verify that the contractor is licensed and insured, and that they have a good reputation.
  • Check the Better Business Bureau for ratings and reviews of local contractors.
  • Ask your friends and family for referrals and recommendations.
  • Consider reaching out to your local Home Builders Association for a list of recommended contractors.

Can I Do My Own Roof Repairs?

It’s important to wait until a claim representative has inspected your roof before attempting any repairs yourself. This is a policy requirement.

If your policy covers the damage to your roof, you’ll be given funds to cover the cost of professional installation or repairs, in accordance with the policy terms and conditions. This coverage is not just for the cost of materials.

While you are allowed to do your own roof installation, please make sure your insurance company has inspected your roof damage first. Keep in mind that the claim amount you may receive will be adjusted since you are not paying for professional installation.

Why Did My Neighbor’s Insurance Replace Their Roof But Not Mine?

Each roof is unique and may weather a storm differently. Your neighbor’s roof may have sustained damage, but your roof may not have. Insurance companies can only make decisions based on what the claim representative observes on your roof.

Several factors can affect how well a roof weathers a storm, including:

  • The age of the roof .
  • The amount of debris on the roof .
  • Whether or not animals can access the roof .
  • How well the roof is maintained.
  • How the roof was installed.
  • The brand and grade of roof surfacing materials.
  • The style and slope of the roof structure.
  • The direction the slopes face.
  • The direction from which the storm came.
  • Whether or not the roof has tree cover or other natural shields protecting it from hail and wind.
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Overall Rating
4.9 60 reviews
kendell clark Avatar
kendell clark
4/14/2025
After our house flooded on Christmas we called Houston Restore Pros and they took time from their holiday to come out and assist us and walk us through the next steps. From mitigation to reconstruction the process was seamless and the experience was great. The office worked side by side with our insurance and got all the tough questions answered for us and handled everything on that end. They were able to restore my home to even better than they found it. We’re very happy we choose Houston Restore Pros.
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Carol Smith Avatar
Carol Smith
4/14/2025
Houston Restore Pros worked well with our insurance. Joe and crew were compassionate and highly efficient at the moisture mitigation. Joel was great at coordinating the different phases and letting us know what to expect. Dennis and team Manuel, Daniel, and Alex went above and beyond expectations! Joe and Kirk and their crews carefully moved the furniture out and back. I would hire this group again!
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Derek Pruitt Avatar
Derek Pruitt
4/05/2025
Ben was prompt with communication and they did nice work
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JOEY Avatar
JOEY
4/05/2025
Ben and his team completed this project for us as sewer water backed up into the home. They did the demo which consisted of removing the base boards, tile/wood flooring, sheet rock, shower, etc. They put back the home in a timely and professional manner!
They installed sheet rock, tape and float, installed base boards, painted walls and trim, built a new vanity and painted, installed new plumbing fixtures, completed the tile shower with pan, tile in bath areas, and wood in bedrooms and living areas. Very reasonable pricing and completed a few small extras without hassling for additional monies.
I highly recommend Houston Restore Pro to complete any project you may have at your home or office!
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Van Ho Avatar
Van Ho
4/05/2025
Houston Restore did an amazing job on my property. Got Water damage and they arrived in 3 hours to dry out everything. Then Ben took care the restoration . He finish entire house in 2 months and my house turn out so beautiful .
I would recommend Houston restore to everyone
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Maria Lopez Avatar
Maria Lopez
4/05/2025
These guys are lifesavers. They are available 24/7. They provided excellent, professional service and did not leave until the job was done.Thanks to Joe, Jose, Josue, Joyce, and Joel.
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Danielle Beckcom Avatar
Danielle Beckcom
3/05/2025
Ben and his team at Houston Restore Pros were absolutely fantastic! From start to finish, they demonstrated professionalism, efficiency, and outstanding attention to detail. They went above and beyond to ensure everything was handled with care, and their expertise was evident in the quality of their work. Communication was seamless, and they were always available to answer any questions along the way. If you’re looking for a reliable and skilled restoration team, look no further—Houston Restore Pros is the best in the business. Highly recommend!
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stephen cunada Avatar
stephen cunada
2/05/2025
We had a little flooding inside our house back in July 2024 and when we informed our insurance company, they have suggested Houston Restore Pros as one of the cleanup company. In a matter of few hours, Joe was at the house supervising the mitigation process which they did meticulously. We were satisfied with the results that we decided to let them finish the restoration and reconstruction of the entire first floor under the able watch of Ben who was very responsive to all our questions and making sure that he corrected everything that needed to be addressed promptly. I would highly recommend Houston Restore Pros to anyone who would be in the same predicament. Thanks again Joe, Ben and the entire crew.
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B B Avatar
B B
2/05/2025
Our house flooded in May and needed to be restored from 2 feet up down to the concrete foundation. Houston Restore Pros had us back in our house in December and it looks better than it did before the flood. Ben was very helpful during the process and whenever we needed a repair fixed or changed he was easy to get ahold of and was quick to send out someone to fix it. You can tell that he really cares about his customers. I've added some photos of the demo and the finished home. It really is beautiful.
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Lee Tilley Avatar
Lee Tilley
2/05/2025
Slow water leak ruined my life! These guys put it back together from start to finish. Ben & his team were great to work with. He was always available, this man needs a promotion.
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Cat Ferguson Avatar
Cat Ferguson
2/05/2025
I would like to take a moment to commend Ben Sos, Project Manager at Houston Restore Pros, for his exceptional professionalism and courteous demeanor throughout our project. Ben consistently demonstrated a remarkable ability to effectively manage tasks and ensure that the right team members were assigned to meet our needs.

His patience and understanding were particularly noteworthy; he was always available to address my concerns, even during moments of distress, and handled each situation with grace and empathy. Ben truly goes above and beyond for his clients, and his commitment to delivering outstanding service is evident in every interaction.

I wholeheartedly recommend Ben Sos for any project, as I am confident that his dedication and expertise will lead to successful outcomes.
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Jenny Ryan Avatar
Jenny Ryan
1/05/2025
Houston Restore Pros Joe Contreras and his team expertly handled the water mitigation in my home after my attic leaked, and Ben Sosa and his team beautifully restored my floors and the ceiling and sheetrock damage. They respond promptly to communication and guide their customers through each step of the process. Their care for their customers shows in all aspects of the company. I would recommend Houston Restore Pros to anyone.
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Rasheed Bangee Avatar
Rasheed Bangee
11/05/2024
Mr. Ben Sosa stayed on the top till the job is complete. Joe, Isaac Escobar and all are excellent along with Ben.
Worry free for one. They took care of all including contacting insurance company. Pictures are before and after.
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Helen Castillo Avatar
Helen Castillo
11/05/2024
Ben did a fantastic job him and his crew. They did repairs to my house and also painted it great job Ben
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Satish Mani Avatar
Satish Mani
10/05/2024
HRP were awesome. They came, understood our challenges and resolved each and every one of them. Ben their Project Manager especially understood our concerns and went way beyond to resolve our issues. Highly recommend HRP for any House restoration issues.
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