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Is Snow Roof Damage Covered by Homeowner Insurance?
TONY • February 3, 2021

A snowstorm can leave your home a mess. Once the storm is over, you may think you’re in the clear from snow-related damage, but that isn’t always the case. The risk of high winds, freezing temperatures, falling tree branches, ice dams and damage from melting snow are all areas of concern. These elements put your home at risk, so it pays to have proper insurance that covers these issues.

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What the Insurance Normally Covers

There are different signs of roof damage, but in general, it should be easy to tell when something is wrong. The most common signs that your roof needs work are:


  • Missing, blistering, or curling shingles
  • Loose gutters and valley flashing
  • Wet ceiling stains, which indicate a leaking roof
  • Sagging along the eaves, which can signify rotting deck boards

What It May Not Cover

Both external and internal factors can cause roof damage. These include UV radiation, improper installation, age-related wear, and weather conditions such as strong winds or hail impact. Also, water from rain and melting snow that pools in some places can cause the material to rot and promote mold growth. 

What to Do Next

When you experience a leaking roof, don’t delay actions – turn to the experts at Tony’s Roof Care. We have extensive experience with the materials and processes that will help restore your system after a damaging weather event. Our team can also help assess the damage to check whether you can appropriately file a claim with your insurance company.


As soon as you notify the insurance company of your claim, we can deal with the adjuster to simplify things for you. We’ve worked with many adjusters before, and we can help them understand what repairs and replacements are necessary to restore your home.


To schedule a FREE consultation, contact us at (253) 200-4597, or fill out our contact form today. We’ll be ready to assist you.

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