Does Home Insurance Cover Roof Damage in Greenwood, Indiana?
- Nate Jones, CPCU, ARM, CLCS, AU
- 5 days ago
- 2 min read
Roof damage is one of the most common concerns for homeowners in Greenwood, Indiana—especially with our unpredictable weather, hailstorms, and heavy winds. But does your homeowners insurance policy cover roof repairs or replacement? The answer depends on the cause of the damage and your policy details.
When Roof Damage Is Covered
Most standard homeowners insurance policies cover roof damage caused by sudden and accidental events, such as:
Windstorms and Tornadoes
Hail Damage
Falling Trees or Debris
Fire
If your roof is damaged by one of these perils, your policy typically pays for repairs or replacement, minus your deductible.
When Roof Damage Is NOT Covered
Insurance usually does not cover:
Wear and Tear or Age-Related Deterioration
Neglect or Poor Maintenance
Improper Installation
Damage from Excluded Perils (e.g., earthquakes, floods unless you have add-on coverage)
Tip: If your roof is older than 15–20 years, some insurers may limit coverage or offer actual cash value instead of full replacement cost.
How Greenwood Weather Impacts Coverage
Indiana’s climate brings hailstorms, heavy rain, and occasional tornadoes—all of which can cause roof damage. Make sure your policy includes wind and hail coverage, and consider endorsements for water backup or extended replacement cost.
What to Do If Your Roof Is Damaged
Document the Damage with photos.
Prevent Further Damage (e.g., temporary tarp).
File a Claim Promptly with your insurer.
Review Your Policy for coverage limits and exclusions.
Ready to Protect Your Home?
Wexford Insurance partners with top carriers to provide customized home insurance for Greenwood homeowners—including roof coverage options.
👉 Get Your Free Quote Today and make sure your home is fully protected.
