When storm-related issues like hail or high winds cause damage to your roof, your insurance should be there to help. However, your homeowner’s insurance may also cover other types of roof damage. Understanding what’s covered is essential for protecting your property and ensuring you get the repairs you need.
At Hail No Roof Pros, we believe it’s important for homeowners to fully understand their coverage so they can act quickly when unexpected damage occurs.
Here are three common types of roof damage that may be covered by insurance: fallen tree damage, lightning strike damage, and water intrusion damage. If you think your roof may have sustained damage, contact us today for a free inspection and detailed documentation.
Severe weather, aging trees, or unforeseen accidents can all lead to trees or large branches falling onto your roof. Fallen tree damage can be catastrophic, crushing roofing structures, damaging shingles, gutters, and even the underlying support system of your home.
In most cases, homeowner’s insurance covers fallen tree damage as long as the tree fell due to a covered peril—such as a storm, lightning, or heavy winds. However, if the tree was dead, rotting, or poorly maintained, your claim might be denied. Insurers expect homeowners to take reasonable care of trees on their property.
At Hail No Roof Pros, we offer emergency tarping to protect your home after a fallen tree incident. Our team will assess the full extent of the damage, provide documentation, and perform high-quality repairs to restore your roof.
Lightning strikes are rare but extremely destructive when they happen. A direct lightning strike can cause immediate fire hazards, punctures, and even explosions within roofing materials. It can also impact the internal wiring and ventilation systems attached to your roof.
Yes, lightning strike damage is almost always covered by homeowner’s insurance. Insurance policies view lightning as a “sudden and accidental” event, making it a clear covered peril under standard terms.
Lightning doesn’t just pose physical risks—it can also create long-term vulnerabilities like hidden structural weaknesses or future water intrusion.
Water intrusion is a serious issue that can develop slowly over time or happen suddenly after a weather event. Regardless of how it starts, water intrusion can lead to costly problems such as mold growth, wood rot, and weakened roofing materials.
Insurance typically covers sudden and accidental water intrusion, such as that caused by a storm, a fallen branch puncturing the roof, or a covered weather event. However, gradual leaks due to lack of maintenance or wear and tear are usually not covered.
Water damage can often go unnoticed until it becomes a bigger problem. That’s why it’s essential to have your roof inspected regularly, especially after a major storm.
When unexpected roof damage occurs, you need a trusted partner who provides roof inspections and damage documentation. At Hail No Roof Pros, we specialize in providing clear, professional documentation to support your claims process.
If you suspect your roof has been damaged by a fallen tree, lightning strike, or water intrusion, act fast to protect your home and strengthen your insurance claim:
The sooner you address roof damage, the more likely you are to prevent additional problems like mold, interior damage, or higher repair costs.
When your roof suffers unexpected damage, trust the experienced team at Hail No Roof Pros to protect your home, your investment, and your peace of mind. Whether you’re dealing with fallen tree damage, lightning strike damage, or sudden water intrusion, we are here to provide professional inspections and clear documentation to support your insurance claim.
Call Hail No Roof Pros today to schedule a free inspection and take the first step toward restoring your roof with confidence.
