Owning a home in Salem, OR, comes with many responsibilities, and one of the biggest is maintaining your roof. When a storm hits or unexpected damage occurs, the first question most homeowners ask is, “Will my insurance cover this?” The answer depends on the type of damage, the circumstances, and the details of your policy.
In this blog, we’ll break down what is and isn’t typically covered by homeowners insurance when it comes to roofing damage. This will help you understand your protection, avoid surprises, and make informed decisions if you ever need to file a claim.
Common Roofing Damage Covered by Insurance
Homeowners insurance is designed to protect you from sudden and accidental events. In Salem, OR, where heavy rains, windstorms, and the occasional hailstorm can cause roof damage, insurance often steps in to help.
Wind and Storm Damage
High winds are a common culprit for ripped shingles, damaged flashing, and leaks. If a storm sends debris flying into your roof or strips shingles away, most insurance policies will cover the repairs or replacement.
Hail Damage
Though less common in Salem than in other areas, hailstorms can still leave dents, cracks, or punctures in roofing materials. Insurance usually covers hail damage since it’s considered sudden and unavoidable.
Fallen Tree Limbs
If a storm causes a tree branch to fall and damage your roof, your insurance should cover the cost of repairs. This is true whether the tree is on your property or a neighbor’s, as long as the fall was due to a covered peril.
Fire Damage
Homeowners insurance almost always covers fire damage, regardless of the source. If your roof is destroyed or partially damaged by fire, your policy should cover the rebuilding costs.
Roofing Damage Not Covered by Insurance
Not all roofing issues fall under insurance coverage. Policies are meant to protect against sudden accidents, not long-term neglect or predictable wear. Here are the most common exclusions:
Normal Wear and Tear
Roofs age naturally. Asphalt shingles typically last 20–25 years, while metal and tile can last much longer. Insurance does not cover replacement simply because your roof is old or materials are deteriorating.
Poor Maintenance
If you’ve neglected roof upkeep—such as failing to clear gutters, ignoring missing shingles, or allowing moss to spread—your insurance company may deny a claim. Regular maintenance is essential for keeping coverage valid.
Improper Installation
Insurance doesn’t pay for problems caused by faulty workmanship. If a contractor installed your roof incorrectly and it fails, the responsibility lies with the installer, not your insurance.
Certain Water Damage
While sudden leaks caused by storms may be covered, gradual water damage is often excluded. If a slow leak has been dripping for months and causes rot, your policy may deny the claim.
How Insurance Companies Determine Coverage
When you file a roofing claim, your insurance company will send an adjuster to assess the damage. They’ll look at:
- Cause of damage – Was it sudden and accidental, or gradual wear?
- Age of the roof – Older roofs may only be reimbursed for actual cash value rather than full replacement cost.
- Maintenance history – If neglect is evident, coverage may be denied.
Understanding these factors helps you prepare before filing a claim.
Tips for Filing a Roofing Insurance Claim
If you suspect your roof has sustained damage, take these steps:
- Document the Damage – Take photos and notes as soon as it’s safe.
- Prevent Further Damage – Use a tarp or temporary covering if needed.
- Review Your Policy – Understand what’s covered before contacting your insurer.
- Get a Professional Inspection – A trusted roofing contractor in Salem can provide a detailed report to support your claim.
Why Professional Help Matters
Roofing insurance claims can be complex. Partnering with a professional roofing company ensures you get a proper inspection, accurate repair estimate, and guidance throughout the process. In Salem, Advanced Roofing Technologies Inc. has experience helping homeowners handle roofing repairs and insurance claims smoothly. Call 503-339-7234 for professional roofing services you can trust.
Final Thoughts
Homeowners insurance is there to protect you, but it doesn’t cover everything. Storms, fire, hail, and falling objects are usually included, while wear and tear, poor maintenance, and installation issues are excluded. By staying on top of roof care and understanding your policy, you’ll be better prepared if disaster strikes.
