Your roof is your home’s first line of defense against the elements, so when it’s damaged, it’s only natural to wonder if your insurance will step in to help. At TruePoint Insurance in Pooler, GA, we frequently receive questions from homeowners seeking to understand their coverage, particularly regarding roof repairs or replacements.

Damage from the Unexpected? You’re Likely Covered

In most cases, home insurance will cover roof damage caused by sudden, unexpected events. Think things like windstorms, hail, lightning strikes, or fallen trees. If a storm rolls through and shingles go flying or a branch crashes into your roof, there’s a good chance your policy will help cover the cost to repair or replace the damage.

Wear and Tear? Not So Much

Here’s where it gets a bit tricky. Insurance isn’t designed to cover routine maintenance or aging. If your roof is simply old and starting to leak due to years of exposure, that’s typically considered normal wear and tear, and it’s not covered. That’s why regular inspections and upkeep are so necessary. A little preventative care now can save you a lot of headaches later.

Know Your Policy—and Your Roof

Not all policies are created equal. Factors like the age of your roof, the materials used, and your policy’s specific terms can all affect how much your insurance will pay. Some insurers may even offer partial coverage or a depreciated payout if your roof has some years on it.

Let’s Talk About Your Coverage

If you’re unsure about what your home insurance covers, don’t wait until the next storm hits. Contact TruePoint Insurance in Pooler, GA, today. We’re here to help you understand your policy and protect what matters most, starting at the top.