Insurance Claim
Can You Claim Insurance for Roof Damage?
Absolutely—but only if the damage qualifies and your roof has been properly maintained. At G&A Roof Repairs, we understand how stressful unexpected roof damage can be, especially when dealing with insurance companies. That’s why we’re here to guide you every step of the way.
What Counts as an Insurance-Worthy Emergency?
An insurance-approved emergency usually includes:
- Storm or wind damage
- Leaks causing interior damage
- Risk of roof collapse
- Significant water ingress
- Sudden structural failures
If not fixing it immediately would cause further damage, it’s an emergency—and insurers typically understand urgent action is required.
Know Your Policy – Before It’s Too Late
Home insurance policies usually cover:
Fire, flooding, and storm damage
Accidental damage (if specified in your policy)
Emergency repairs after extreme weather
But each insurer has different definitions of a “storm.” Many use the Beaufort Scale to measure wind strength—damage must result from winds strong enough to be classified as a storm under this scale.
Why Insurers May Reject Your Claim
Many claims are denied because of poor roof maintenance. You may struggle to get coverage if:
- Your roof has missing tiles or deteriorated brickwork
- There’s evidence of long-term neglect or wear and tear
- You call an emergency roofer for a non-urgent issue
To stay covered, regular inspections and maintenance are key.
How We Help with Insurance Claims
G&A Roofing can support you by:
- Providing a detailed roof report
- Documenting the damage professionally
- Offering expert guidance to help you talk to your insurer
- Performing emergency repairs when needed
- Working with insurers to validate emergency response
We can also provide written statements or photos to strengthen your case.