Roofing Insurance: What Homeowners Should Know

Contractor insurance

Ask the provider what insurance coverage it carries and how you can verify current coverage. Requirements and appropriate coverage vary.

Homeowners insurance

Whether a roof loss is covered depends on the policy, cause of loss, exclusions, deductibles, roof condition, and other terms. The insurance carrier or licensed insurance professional can explain the policy.

Keep documentation

Photographs, estimates, contracts, invoices, product information, and communications can be useful records before, during, and after a project.

Avoid assumptions

A roofing provider can explain construction work, but questions about coverage and claim obligations should be confirmed with the insurer or qualified insurance professional.