Roof Coverage for Homes in San Antonio

Your roof is your home’s first line of defense against Texas storms, extreme heat and unexpected disasters. Homeowners insurance coverage for your roof is essential. But what does a typical policy cover, and what should San Antonio homeowners be aware of when trying to protect their investment?

What Does Homeowners Insurance Cover for Roof Damage?

Most standard homeowners insurance policies cover roof damage caused by sudden and unexpected events, such as the following:

• Hailstorms and windstorms—Texas is no stranger to severe weather, and some policies may include coverage for hail and wind damage.

• Falling debris—If a tree branch or other object damages your roof, your policy may cover the repairs.

• Fire and vandalism—Fire and intentional damage may be covered under standard policies.

However, insurance companies typically do not cover damage caused by normal wear and tear, lack of maintenance or gradual deterioration.

What is Actual Cash Value vs. Replacement Cost?

If your roof is damaged, how your insurance provider compensates you depends on your policy:

• Replacement cost value (RCV) may pay for a new roof at today’s prices, minus your deductible.

• Actual cash value (ACV) factors in depreciation, meaning older roofs may receive a lower payout.

Older roofs, particularly those over 15 to 20 years old, may qualify only for ACV coverage, meaning out-of-pocket costs could be higher.

Roof Maintenance Tips to Prevent Coverage Denials

Insurance companies may deny your claim if they determine the damage resulted from neglect. The following steps can help keep your roof in good condition:

• Inspect your roof at least twice a year for missing shingles or damage.

• Clean gutters regularly to prevent water buildup.

• Address minor repairs promptly to prevent bigger issues.

Learn More About Your Coverage

San Antonio homeowners should review their policies to ensure they have adequate roof coverage before disaster strikes. Contact Liberty Auto Insurance to get the best protection for your home.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.