Will insurance cover hail damage to a metal roof?

Seeking Advice
1

I’ve got a metal roof, and we just had a pretty bad hailstorm. Does anyone know if insurance usually covers hail damage on metal roofs, or is it hit or miss depending on the policy?

2

It depends on your policy and the insurance company. Some insurers will cover the damage if it impacts the integrity of the roof, but others might deny it if it’s just cosmetic and doesn’t cause leaks.

3

@Zaire
Good to know. I’ll have to check my policy for any exclusions. Didn’t realize they could deny it if it’s just cosmetic.

4

Denny said:
@Zaire
Good to know. I’ll have to check my policy for any exclusions. Didn’t realize they could deny it if it’s just cosmetic.

Yeah, definitely check for a cosmetic waiver in your policy. That’s the clause that could make all the difference.

5

I had hail damage to my metal roof and my insurance covered it, but only because there were actual dents that compromised the roof. They wouldn’t have done it if it was just surface damage.

6

Pax said:
I had hail damage to my metal roof and my insurance covered it, but only because there were actual dents that compromised the roof. They wouldn’t have done it if it was just surface damage.

Same here. I had to prove that the damage could lead to leaks. My adjuster was pretty picky about what counted as real damage.

7

If your roof is insured with someone like Texas Farm Bureau, they tend to be more generous with covering visible hail damage on metal roofs. Just be sure your policy doesn’t have that cosmetic damage exclusion.

8

I had a roofer come look at mine before I filed a claim. They helped me figure out if it was worth filing. Might be worth getting an inspection first so you know what you’re dealing with.

9

Hayes said:
I had a roofer come look at mine before I filed a claim. They helped me figure out if it was worth filing. Might be worth getting an inspection first so you know what you’re dealing with.

That’s a good idea. I’ll see if I can get someone out here before I call my insurance company.

10

Just file the claim and let the adjuster take a look. Worst case, they deny it, but at least you’ll know for sure.