Will Insurance Pay for Your Roof After a Storm?

June 20, 2021

When a major storm rolls through, it can leave behind more than just puddles and broken branches — your roof could suffer damage you can’t even see from the ground. The good news? If the damage was caused by a recent storm, your homeowner's insurance might cover the cost of repairs or even a full roof replacement.

At DG Construction, we’ve helped countless homeowners navigate this process, and we’re here to break it down for you.

1. Storm Damage Is Often Covered

Most homeowner's insurance policies cover sudden and accidental damage — which includes damage from wind, hail, falling debris, and even heavy snow or ice. If a storm recently came through your area, there's a good chance your roof qualifies for a claim.

2. Time Is Critical

Insurance companies usually have a time limit for how long you can file a claim after a storm. The sooner you inspect your roof and document any damage, the better. Even if you don’t see visible issues, there could be underlying damage that leads to bigger problems down the road — leaks, mold, or structural issues.

3. Signs You May Have Roof Damage

  • Missing or lifted shingles
  • Granule loss (look for bald spots or granules in gutters)
  • Dents in flashing or vents
  • Water stains on ceilings or walls inside your home

If you notice any of these, it’s time to take action.

4. How the Insurance Process Works

  • Inspection: Start with a professional roof inspection. At DG Construction, we offer free storm damage inspections.
  • Documentation: We take photos and notes on all visible damage.
  • Claim Filing: If damage is found, we help guide you through filing a claim with your insurance company.
  • Adjuster Visit: An adjuster from your insurance will come out to assess the damage.
  • Approval & Repairs: Once approved, we get to work — quickly, professionally, and using high-quality materials.

5. Why Choose DG Construction

We’re not just another roofing company. We specialize in storm restoration and have years of experience dealing with insurance companies. Our goal is to make the process as easy as possible for you — from inspection to installation.

The roof of a house with a wooden roof and a black gutter.
A man is installing slate tiles on a roof.

Time to Replace Your Roof?

October 5, 2023
This blog offers insightful guidance for homeowners on identifying when it's time to consider replacing their roof. It lists seven key indicators, such as curled shingles, bald spots, and moss growth, that signal a roof might be nearing the end of its lifespan. The content is designed to help readers understand the importance of regular roof inspections and the impact of various roof conditions. It also encourages consulting with professional roofing contractors and emphasizes the aesthetic and protective benefits of a new roof.