Posted by Empire Siding & Windows in Local Info
After a major storm rolls through the Roanoke area, one of the first questions homeowners ask is: will my insurance cover this?
The answer isn’t always straightforward — and understanding your policy before you need it can save you thousands of dollars. In this guide, we’ll break down exactly how homeowner’s insurance handles roof damage in Virginia, what’s typically covered, what isn’t, and what steps to take after a storm.
What Does Homeowner’s Insurance Typically Cover?
Most standard homeowner’s insurance policies in Virginia cover roof damage caused by sudden, unexpected events — often called “covered perils.” These typically include:
- Wind damage — including damage from hurricanes, tropical storms, and severe thunderstorms
- Hail damage — one of the most common roof insurance claims in Virginia
- Lightning strikes — including fire damage caused by lightning
- Falling trees or debris — if a tree falls on your roof during a storm
- Fire — damage from house fires or wildfires
- Ice dams — in some policies, damage caused by ice buildup on the roof
If your roof was damaged by one of these events, there’s a good chance your insurance will cover at least a portion of the repair or replacement cost.
What Homeowner’s Insurance Does NOT Cover
Just as important as knowing what’s covered is knowing what isn’t. Most policies specifically exclude:
- Normal wear and tear — shingles that have simply aged out don’t qualify for a claim
- Neglect or lack of maintenance — if damage could have been prevented with routine upkeep, your claim may be denied
- Pre-existing damage — damage that existed before your current policy took effect
- Improper installation — if your roof was installed incorrectly and that leads to damage, coverage may be denied
- Flooding — flood damage requires a separate flood insurance policy
- Earthquakes — also requires separate coverage
Important: If your roof is more than 20 years old, some insurance companies will only pay actual cash value (depreciated value) rather than the full replacement cost — or may not cover it at all. Check your policy carefully.
Actual Cash Value vs. Replacement Cost Coverage
This is one of the most important distinctions in your policy — and one many homeowners don’t discover until they file a claim.
Replacement Cost Value (RCV)
This is the better coverage. If your roof is damaged, the insurance company pays for a new roof of similar quality minus your deductible — regardless of how old your current roof is.
Actual Cash Value (ACV)
This factors in depreciation. If your roof is 15 years old and has a 25-year lifespan, the insurance company may only pay 40% of the replacement cost — because the roof was 60% through its useful life. This can leave homeowners with a significant out-of-pocket gap.
Review your policy now to find out which type of coverage you have — before you need it.
Steps to Take After Storm Damage in Roanoke
1. Document the Damage Immediately
As soon as it’s safe to do so after a storm, photograph and video your roof from the ground. Note the date of the storm and save any weather reports confirming severe weather in your area. This documentation is critical for your claim.
2. Call a Local Roofing Contractor First
Before calling your insurance company, have a local roofing contractor inspect the damage. An experienced contractor can identify all damage — including damage that’s easy to miss — and provide a detailed written assessment. This protects you from having a claim undervalued by the insurance adjuster.
3. File Your Claim Promptly
Most insurance policies require you to file a claim within a reasonable time after damage occurs. Don’t wait — delayed claims are sometimes denied. Call your insurance company, report the storm damage, and request an adjuster visit.
4. Be Present for the Adjuster’s Inspection
When the insurance adjuster comes to inspect, have your roofing contractor’s written assessment in hand. A knowledgeable contractor can point out damage the adjuster might miss, ensuring you receive the full value of your claim.
5. Review the Settlement Offer Carefully
Before accepting any settlement, compare it against your contractor’s estimate. If the offer seems low, you have the right to negotiate or request a re-inspection.
How Empire Siding and Windows Can Help
Navigating a roof insurance claim can be stressful — especially when you’re dealing with storm damage and a disrupted household. At Empire Siding and Windows, we’ve helped Roanoke homeowners through the claims process many times.
Here’s how we can help:
- Documentation support — we‘ll provide you with a detailed quote that you’re welcome to share with your adjuster
- Adjuster coordination — we’re available to be present during the insurance adjuster’s inspection
- Honest assessment — we’ll tell you straight whether the damage warrants a claim or a simple repair
Call us today at 540-929-8010 or contact us online for a free roof inspection.
We serve Roanoke, Salem, and surrounding communities throughout the Roanoke Valley.
Frequently Asked Questions
Will filing a roof claim raise my insurance rates?
It depends on your policy and provider. A single claim may or may not affect your rates. If the damage is significant, the claim benefit typically outweighs any rate increase. Ask your agent before filing if you’re concerned.
How long does a roof insurance claim take?
Most straightforward claims are settled within 2–4 weeks. Complex claims or disputes can take longer. Having good documentation and a knowledgeable contractor on your side speeds up the process.
What if my claim is denied?
You have the right to appeal a denied claim. Request a written explanation of the denial, review it against your policy, and consider hiring a public adjuster if you believe the denial was unjust.
My roof is old — should I replace it before storm season?
If your roof is approaching or past 20 years old, proactive replacement is worth considering. An aging roof is more vulnerable to storm damage, and your insurance coverage may be limited. A free inspection will give you a clear picture of your roof’s current condition.
Empire Siding and Windows is a locally-owned contractor serving Roanoke, Salem, and the surrounding Roanoke Valley. Contact us for a free roof inspection and estimate.