When a storm hits or unexpected damage appears, knowing what your homeowner’s policy actually covers can be the difference between peace of mind and a costly surprise. Understanding roof insurance helps homeowners prepare for the unexpected and ensure their property is protected.
Here’s what you need to know about roofing insurance and how we help guide you through the process.
Understanding What Roof Insurance Typically Covers
Most standard homeowners insurance policies cover roof damage caused by sudden, accidental events, such as:
- Hailstorms
- High winds or tornadoes
- Fallen trees
- Fire or lightning strikes
If your roof damage falls under one of these categories, there’s a good chance your insurance will help cover the cost of repair or replacement.
What’s Usually Not Covered?
While understanding roof insurance starts with knowing what is covered, it’s equally important to know what isn’t. Here are some exclusions:
- Damage due to aging or neglect
- Mold or rot from long-term moisture exposure
- Manufacturer defects or improper installation
Some policies also prorate coverage based on the age of your roof, meaning you may only receive partial reimbursement for older materials.
The Roofing Insurance Claim Process (Simplified)
- Inspect the Damage
After a storm, call a trusted roofing company like Kainos for a free inspection. We’ll assess whether there’s enough damage to warrant a claim. - File a Claim with Your Insurance
If damage is present, you’ll file a claim. Your insurance provider will then schedule an adjuster to inspect the property. - Adjuster Inspection
We can meet the adjuster on-site to ensure all damage is properly documented and nothing is overlooked. - Claim Approval & Estimate
Once approved, your insurance will provide a scope of work and payout information. - Roof Replacement or Repairs Begin
Kainos will complete the approved work with professionalism and care—keeping you informed every step of the way.
How Kainos Helps You Through It
We’re not just roofers—we’re advocates for homeowners. From inspection to installation, we help you:
- Understand your coverage
- Communicate with your adjuster
- Ensure all damage is accounted for
- Get the highest quality result possible
Final Thoughts
Navigating insurance claims can feel overwhelming, but you don’t have to do it alone. At Kainos Roofing and Exteriors, we bring clarity to the process and craftsmanship to the solution.
Need a roof inspection after a storm?
We’ll walk you through every step—starting with a free, no-pressure quote.