Yes! If your roof is damaged by a covered peril such as wind, hail, or fallen trees during a storm, your insurance policy may cover the cost of repairs or replacement.

Not as much s you may think. Most Insurance companies will cover a full roof replacement based on the following:

Wind driven debris: A tree limb puncturing the roof

Wind: 8-10 creased or missing shingles

Hail: at least 1 inch hailstones

No. Storm damage claims, also referred to as “Act of God” or “Mother Nature” claims, are not the fault of the homeowner. As long as the storm damage is a sudden and accidental event, you are safe.

Most insurance companies give you up to two years from a given storm date to file a property claim.