When a windstorm tears off shingles or a falling branch punches through your roof, one of the first questions is: will insurance cover it? The answer depends on your policy and on what caused the damage. This guide explains how roof insurance claims generally work in BC, what is usually covered, and the steps that help your claim go smoothly.
Every policy is different. Always check your own policy and speak with your insurer or broker about your specific situation.
What Home Insurance Usually Covers
Most home insurance policies are designed to cover sudden and accidental damage. For roofs, that often includes:
- Wind damage, such as shingles or panels torn off in a storm
- Damage from falling trees or branches
- Hail damage
- Interior water damage caused by a sudden roof failure
What Usually Isn’t Covered
Insurance generally does not pay for problems that develop slowly or come from a lack of maintenance, such as:
- Normal wear and tear on an aging roof
- Slow leaks that have gone on for months
- Moss, rot or damage from clogged gutters
- Poor installation or earlier repairs that failed
This is why regular roof inspections matter. A well-maintained roof with a record of inspections puts you in a much stronger position if you ever need to make a claim.
Steps to Take After Roof Damage
- Stay safe. Don’t climb onto a damaged roof, and keep clear of fallen branches and any wires.
- Document everything. Take clear photos and videos of the damage outside and inside, along with the date and time.
- Prevent further damage. Most policies expect you to take reasonable steps to limit damage, such as arranging an emergency tarp. Keep every receipt.
- Contact your insurer promptly. Report the damage as soon as possible and ask about your coverage and deductible.
- Get a professional assessment. A roofing contractor can inspect the damage and provide a detailed written estimate for your claim.
- Meet the adjuster. Your insurer may send an adjuster to inspect the roof. Having your photos and contractor’s report ready helps the process.
Roof Claims for Strata Properties
In a strata building, the roof is usually common property covered by the strata corporation’s insurance, not each owner’s individual policy. If you live in a strata and notice roof damage or a leak, report it to your strata council or property manager right away. Owners should also check their own policy for coverage related to the strata deductible.
Is It Worth Making a Claim?
If the repair cost is close to your deductible, paying out of pocket may make more sense than filing a claim. A detailed estimate from a roofer helps you compare the cost of the repair with your deductible before you decide.
How Great West Roof Can Help
After storm damage, we offer same-day emergency roof repair to protect your home, followed by a thorough inspection and a detailed written report and estimate you can share with your insurer. If the damage is extensive, we can also handle a full roof replacement.
For help with storm damage anywhere in the Lower Mainland, contact us or call (778) 578-7018.