Will Home Insurance Cover Hail Damage to Your Roof?

Anyone living in Greeley, CO knows that the weather can change instantly. The seasons are vast, and you get everything, including hail, from time to time. Your home insurance plays a crucial role in protecting your living situation when the weather takes a turn for the worse. One of the common questions the Maanen Insurance Group gets is about hail and whether or not home insurance will cover hail damage to your home’s roof.

Dwelling Coverage

Most homeowners insurance policies will include what is known as dwelling coverage. The dwelling coverage will help cover the costs to either do a repair or a replacement to parts of your home as a result of hail damage.

The piece of the puzzle that you need to remember here is the deductible. You need to pay your deductible before getting anything out of your coverage. If you have a $1,000 deductible, that is the amount you pay out of pocket before collecting from your insurance company. If the damage cost is less than the deductible, think twice about filing a claim with your provider.

Roof Replacement Cost Coverage

When it comes to hail damage and a roof, you can add to your homeowner’s insurance policy. One of the coverages you can add includes roof replacement cost coverage. With this, the coverage will help with the cost to repair hail damage done to your roof at its actual cash value or ACV. This comes out to the value of the roof today.

Talk to the team at Maanen Insurance Group about home insurance and where roof replacement cost coverage comes into play. You can never be prepared enough with the weather in Greeley, CO.