Roofing Reality Check: How Storms Impact Insurance Coverage

When a storm hits, many homeowners assume their insurance will cover any damage. But what if we told you that's not always the case? In this Roofing Reality Check, we're busting myths about insurance coverage and helping you protect your investment.

But Jordan...

"Insurance is complicated. It's not just a piece of paper that magically covers everything."

First things first: insurance policies vary widely depending on the provider and the specific policy.

Some policies may cover hail damage, while others might exclude it entirely. Some might cover wind damage but only up to a certain dollar amount or percentage of your home's value. And some might not cover anything related to storms at all!

So how do you know what's covered? Read your policy carefully (yes, even the fine print) and talk to your insurance agent if you have any questions.

But let's say you've read your policy and you think you're covered. You file a claim with your insurance company, but they tell you that the damage isn't covered.

What do you do now? Well, first of all, don't panic. It's not uncommon for insurance companies to misinterpret policies or deny claims in error.

If your insurance company denies your claim, appeal the decision. Many policies include an appeals process that allows you to challenge a denial.

And if all else fails, consider hiring an attorney who specializes in insurance disputes. They can help you navigate the legal system and fight for the coverage you're entitled to.

But Jordan...

"Don't assume your insurance company has your best interests at heart. They're a business, after all."

But what if you didn't have insurance in the first place? What if you never thought you needed it or couldn't afford it?

In that case, we strongly recommend getting coverage as soon as possible. Many insurance companies offer discounts for bundling policies (like home and auto insurance), so shop around to find the best deal.

And if you can't afford insurance right now, start saving up. A single storm can cause thousands of dollars in damage, and without insurance, you'll be on the hook for every penny.