Will my homeowners insurance cover roof repairs or replacement?

Whether your homeowners insurance covers roof repair or replacement in Memphis depends on the type of damage, the cause, and your policy’s fine print. Here’s what Memphis homeowners need to know:

1. Covered Perils:
   Most standard homeowners policies (HO-3 or HO-5) cover roof damage caused by “sudden and accidental” perils. In Memphis, this usually includes:

• Hail and windstorms

• Tornado or tree limb impact

• Fire or lightning

• Vandalism

If your roof was in good condition and a storm caused shingle loss or punctures, your insurer will likely cover full or partial repairs.

2. Exclusions:
   Policies typically exclude:

• Normal aging or wear and tear

• Poor maintenance (e.g., clogged gutters causing leaks)

• Manufacturer defects

• Rot or mold buildup

For example, a 20-year-old roof with cracked shingles may be denied coverage due to age, even if minor damage occurs.

3. ACV vs. RCV Policies:

• Actual Cash Value (ACV): Pays depreciated value based on age. A 15-year-old roof may only receive 30-40% of replacement cost.

• Replacement Cost Value (RCV): Covers full repair or replacement without deducting for depreciation.

Check which type your policy includes—RCV policies cost more but offer greater protection.

4. Inspection & Documentation:
   After a storm or incident:

• Take photos of visible roof damage

• Document interior leaks or ceiling stains

• Call your insurer to file a claim

• Schedule a professional roof inspection

River City Pros helps Memphis homeowners with full documentation, inspection reports, and detailed estimates to streamline the insurance process.

5. Deductibles & Limits:
   Most Memphis policies have a $500–$2,000 deductible. Some carriers also impose higher deductibles for wind/hail claims. Be sure to check your declarations page.

6. Filing Process:

• File your claim ASAP after damage.

• Insurer sends an adjuster to inspect.

• You’ll receive a settlement offer.

• Hire a licensed Memphis contractor like River City Pros for repairs or replacement.

7. Insurance Claim Support:
   River City Pros works directly with insurance adjusters, handles photos, diagrams, and permit approvals, and makes sure all code-related upgrades are included in your payout.

Summary:
Homeowners insurance may cover your Memphis roof repair or replacement—but only for sudden damage, not wear and tear. Choose a licensed, experienced contractor like River City Pros to handle inspections, insurance documentation, and repairs efficiently and to code.