Yes, insurance will cover hail damage to a metal roof, depending on your policy and the insurance company. Let’s take a closer look.
How Insurance Claims Work
First of all, let’s review the fundamental premise of an insurance claim. Whether it’s a shingle roof or a metal roof, the reason your insurance company will replace your roof is because the roof was damaged.
A roof that has been damaged by wind, snow, ice or hail can allow water leaks to form, causing damage to the interior of the home. Insurance companies replace roofs because they are damaged, not because they are old or ugly.
What Constitutes Damage to a Metal Roof?
This is where you’ll find that different insurance companies vary widely in their interpretation of damage. Because metal roofs are very durable, even when struck by wind and hail, your insurance company may deny your metal roof claim because the integrity of your roof isn’t compromised. For these companies, “if it doesn’t leak, your claim is weak”.
On the other hand, there are some excellent insurance companies such as Texas Farm Bureau that will typically replace metal roofs with visible hail damage, so long as your policy doesn’t include a cosmetic waiver.
The picture below shows a roof that was insured by Texas Farm Bureau. The homeowner was able to get a new metal roof, only paying the $250 deductible.
What is a Cosmetic Waiver?
A cosmetic waiver or cosmetic damage exclusion is a clause in some insurance policies that essentially says that just because you can see hail damage doesn’t mean your roof is eligible for replacement.
In the case of a metal roof especially, the insurance company may argue that even though you can clearly see hail damage, they will not replace your roof because the damage only affects how your roof looks, not how it functions.
How Do I Find Out if My Insurance Company Will Replace My Metal Roof?
The only way to know for sure if your insurance company will replace your roof is to file a claim with your insurance company. After you file a claim, the insurance company will have an adjuster examine your roof.
Can I Get Someone to Look at My Roof Before I File a Claim?
Some of our customers prefer to have us assess their roof first, before calling their insurance company. This is a great idea for several reasons.
We have extensive experience in working with many insurance companies. We can give you a good idea on whether your claim is likely to be accepted. If you do decide to file a claim, we’ll guide you through the claims process, and help you achieve the best outcome.
The roof in the photo below is the same home in Blooming Grove, TX that we showed in the first image. This customer only had to pay her deductible in order to get a brand-new metal roof!
The First Step
Many insurance companies will replace your current metal roof if it shows signs of hail damage. It all comes down to which insurance company you have, as well as the details of your specific policy.
If you think your metal roof may have wind or hail damage, your next step is to request our free roof inspection.
Either call the number at the top of this page, or hit the button below to get a quote. We’d love to serve you!