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Does Homeowners Insurance Cover Roof Damage from Spring Storms?

Apr 28, 2025 | Roof Repair

If you’re a homeowner in Ohio, you know spring storms don’t play around. High winds, heavy rain, hail, and even the occasional tornado can cause serious damage to your roof — sometimes without you realizing it until it’s too late. One of the first questions that comes up after a storm rolls through is: Will my homeowners insurance cover the damage?

The answer is… it depends. But the good news is, if you know what to look for — and who to call — you can avoid costly mistakes and make sure your home is protected.

Here’s what Ohio homeowners need to know about insurance coverage, storm-related roof damage, and how A+ Roofing helps make the process smooth from start to finish.

1. What Kind of Roof Damage Does Homeowners Insurance Typically Cover?

In Ohio, most standard homeowners insurance policies do cover roof damage caused by “sudden and accidental” events, such as:

If your roof is damaged by any of these events, your policy will likely cover repairs or even a full roof replacement, minus your deductible.

However, there are some key exceptions to be aware of:

  • Aging roofs (typically over 20 years) may only qualify for partial coverage or may be excluded altogether.
  • Pre-existing damage or wear and tear is not covered.
  • Neglect or lack of maintenance can also void your claim — if your insurance company believes you should have fixed an issue earlier, they may deny the payout​.

2. Common Mistakes Homeowners Make When Filing Roof Claims

Filing a claim sounds simple — but there are a few easy-to-make mistakes that can cost you time, money, and even approval.

Here’s what to avoid:

  • Waiting too long to file: Most policies have deadlines for filing a claim after a storm. Don’t delay.
  • Not gathering documentation: You’ll need photos, a professional inspection, and possibly even past maintenance records.
  • Not using a certified roofing contractor: Insurers trust assessments from licensed professionals — not DIY evaluations.
  • Filing for minor or cosmetic damage: Insurance often doesn’t cover small, surface-level issues unless they affect function or structure.

Avoiding these missteps can make a big difference in whether your claim is approved or denied.

3. How to Gather Evidence for a Successful Claim

If your roof was hit by a spring storm, documentation is your best friend. A+ Roofing can help guide you through this step-by-step:

What to document:

  • Take clear, date-stamped photos and videos of the damage (from ground level, if possible).
  • Make note of any visible issues like missing shingles, leaks, ceiling stains, or granules in gutters.
  • Schedule a free roof inspection with A+ Roofing so we can assess the full extent of the damage and provide a professional report.

We’ll also help with:

  • Temporary repairs (to prevent further damage while your claim is being processed)
  • A detailed inspection report with photos and findings
  • Estimates tailored for insurance adjusters

All of this gives your insurer the proof they need to take your claim seriously and move it along faster​.

4. Why Choose A+ Roofing for Your Roof Insurance Claim?

Navigating a roof insurance claim can be stressful, especially when you’re worried about your home and your family. That’s where A+ Roofing steps in as your trusted partner.

Here’s what sets us apart:

  • Expert inspections to assess storm damage with precision
  • Claim support from start to finish, including communication with your insurance adjuster
  • A dedicated Customer Solutions Department to assist if your claim gets denied or needs appeal​
  • GAF Master Elite® Certification — awarded to only 2% of roofing contractors nationwide
  • A commitment to transparency, integrity, and peace of mind

We don’t just install or repair roofs — we advocate for homeowners. And we’ll never recommend a replacement unless it’s truly necessary.

Don’t Let Spring Storm Damage Go Unchecked — Call A+ Roofing Today

Ohio weather is unpredictable, but your response to it doesn’t have to be. If your home was hit by a recent storm, don’t wait to find out whether your insurance will help.

Call A+ Roofing at 859-462-4097 or visit aplusroofusa.com to schedule your free roof inspection. We’ll help you understand the extent of the damage, assist with your claim, and restore your roof with expert care.

Your roof protects your home — and A+ Roofing is here to protect your roof.