Does homeowners insurance cover tree damage to the roof?
Short answer. Yes when a tree or limb strikes the roof suddenly, such as a branch broken off in a storm, including hidden damage like cracked decking or rafters. Gradual damage from branches rubbing the shingles, debris clogging valleys, or moss growing under shade is treated as maintenance and is not covered.
Impact vs abrasion
- Impact, covered: a limb breaks off in wind or ice and hits the roof, leaving cracked or punctured shingles, dented gutters, or a broken ridge cap.
- Abrasion, not covered: a branch that has rubbed one spot for years, wearing away granules and exposing the mat.
- Debris, not covered: leaves and pine straw that pile in valleys and cause leaks over time.
Hidden damage from a limb strike
A heavy limb can do more than the visible scar. Look for:
- Cracked or fractured shingles around the strike point that look intact from the ground.
- Soft or cracked decking under the impact.
- Nails pushed up through shingles.
- Cracked rafters or ceiling cracks below.
- Bent gutters, fascia and drip edge where the limb slid off.
Documenting a smaller strike
Small limb claims are often doubted. Photograph the limb where it landed, the broken stub still on the tree, and the damage on the roof. If you move the limb, keep it until the adjuster has seen it.
Is it worth a claim?
A single cracked shingle may cost less than your deductible. A limb that cracked decking, damaged several shingles and bent a gutter run may not. Get it inspected before you decide.
Reduce the risk
Trim dead and heavy limbs over the house, and clear debris from valleys and gutters at least once or twice a year, more often under pines.
More: wear and tear vs storm damage and what adjusters look for.