Severe weather can cause costly roof damage, making it important to know when to file an insurance claim. Insurance usually covers sudden weather-related issues like missing shingles, leaks, or structural damage, but not normal wear and tear. Homeowners should document damage with photos, report it quickly to their insurer, and keep records of repairs and weather reports. Working with an experienced roofing contractor can help strengthen a claim and ensure proper repairs. Before filing, consider repair costs, deductibles, and possible premium increases to decide if a claim is worth it.
