Types of Roof Damage Covered by Florida Home Insurance

Home insurance, in particular, will also not cover damage caused by floods or earthquakes, and this includes roof damage caused by such disasters.


Roof damage is very expensive to repair, and anyone living in Florida should be well aware of their roof damage insurance policy due to the frequency of storms in the area. Replacing a roof can cost a person tens of thousands of dollars, and most people don’t have the extra savings to cover those costs on their own.

The good news is that a person’s home insurance is likely to cover the cost of roof damage, but it must fall into a specific category. When a person buys home insurance, there is a housing coverage section that covers the structure of the house, and the roof is included in it. A person’s eligibility for roof damage coverage depends on the original cause of the damage. In most cases, if the roof has been suddenly damaged by wind, fire or hail, it is likely to be considered.

Even partial roof damage can be fully covered as it weakens the structure and reduces the overall life of the roof. If the roof has been partially damaged, but the insurer does not have access to the same repair materials, they can replace the entire roof with a different material. It is important to note that every insurance company has different opinions and values, and many insurers have changed their levels of coverage for issues such as hail damage to the roof.

Anyone concerned about their policy and the information the insurance company is giving them should contact an insurance attorney as soon as possible so they can get proper legal advice for their case.

What is not covered by home insurance for roof damage in Florida?

Photo by Gus Ruballo on Unsplash.

Some factors are not covered by most insurance plans. For example, if the roof is damaged due to lack of maintenance, this is not something that the company can take care of since the maintenance of his house is the responsibility of the owner.

Home insurance, in particular, will also not cover damage caused by floods or earthquakes, and this includes roof damage caused by such disasters. Anyone who lives in areas at high risk of such natural disasters should ensure that they have earthquake or flood insurance in place so that they can actually get the financial help when they need it most.

Regardless of the material the roof is made from or the extent of the damage sustained, compensation is likely available to help a person pay for the losses incurred. Individuals should be sure to contact a Shochet Law Group insurance attorney as soon as possible to ensure that they are not taken advantage of during the insurance claims process.

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