Should you use house insurance for roof damage?

Test 1: Is the cause covered?

Storm damage, falling trees, lightning and fire are covered. Old shingles, failing flashing and leaks from neglect are not. Filing for wear usually ends in a denial that still goes on your record.

Test 2: Is the damage bigger than the deductible?

Many Georgia policies have a wind and hail deductible of 1 or 2 percent of the dwelling limit, which can mean $4,000 to $8,000 on a typical house. A few missing shingles rarely clear that bar. Hail damage across several slopes often does.

Test 3: How is the roof valued?

On replacement cost, a covered replacement leaves you paying only the deductible. On actual cash value or a payment schedule, the depreciation is your cost, and on an older roof that may leave little after the deductible. See ACV vs RCV.

Test 4: What is your claims history?

Claims stay in insurance industry databases for years. One weather claim is common. Several claims in a short period can affect pricing or renewal. See whether a claim raises premiums.

How to get the answers before filing

1. Pull your declarations page and endorsements.
2. Get a roof inspection with photos and a rough scope.
3. Compare the scope with your deductible and valuation.
4. If the numbers work, file promptly and be present for the adjuster's inspection; see how to file.