Does Insurance Cover Roof Damage After a Storm? What Ohio Homeowners Need to Know
After a storm hits, one of the first questions homeowners ask is:
“Will my insurance cover the roof damage?”
The answer: Often, yes—but it depends on the cause of the damage, your policy, and how quickly you act.
At Kline Home Exteriors, we’ve helped hundreds of Ohio families navigate storm damage—from hail and high winds to falling trees and heavy snow. If you think your roof may be affected, here’s what you need to know to protect your home and your wallet.What Kinds of Storm Damage Are Usually Covered?
Most standard homeowners’ insurance policies cover sudden and accidental damage caused by:
- Hail
- Windstorms
- Falling debris or tree limbs
- Heavy snow or ice damming
📍 We’ve seen recent claims approved in Zanesville, Dover, and Steubenville, OH, following hailstorms that caused significant roof and siding damage.
What Insurance Typically Doesn’t Cover
- Wear and tear or old age
- Damage due to poor maintenance or an already leaking roof
- Manufacturer defects (those may be covered under a product warranty)
👉 That’s why a professional inspection is critical—we can help distinguish between storm damage and existing issues.
How the Process Works
- You contact your insurance provider to report possible damage.
- We provide a free inspection and help document the damage.
- An adjuster visits your home, often with our rep present to ensure everything is noted.
- Your claim is processed, and once approved, we complete the repairs.
🔗 Learn more about our storm damage repair process.
Why Timing Is Everything
Waiting too long to report storm damage can cause:
- Your claim to be denied
- Water damage to spread
- Future issues that insurance won’t cover
📍 If your neighborhood experienced hail or high winds, even if you don’t see visible damage, it’s smart to get a professional opinion now.
We Make It Easier on You
At Kline, we don’t just fix roofs—we help you understand your options and walk you through the insurance process from start to finish. Our team is trained to document storm damage clearly and professionally, helping you get the coverage you deserve.
📞 Think your home was hit by recent storms? Don’t wait.
Let us inspect your roof for free and guide you through your next steps.
🔗 Schedule your storm damage inspection.