You just spotted a water stain on your ceiling. Maybe a few shingles blew off during last night’s storm. Your heart sinks as you wonder what comes next. You ask yourself the one question every homeowner eventually faces: will my insurance cover this?
That moment is stressful. You want a straight answer, not a runaround. You need someone who can tell you exactly what’s happening and what to do next. At Bravo Company Roofing, we help homeowners across the Greater Atlanta area navigate these exact situations. This guide will walk you through what insurance does and doesn’t cover, how to prepare for a claim, and what steps to take to protect your home.
The Short Answer: Sometimes, Yes
Insurance is designed to help when sudden, unexpected damage happens to your home. If a tree crashes through your roof during a storm or hail rips into your shingles, your policy may have you covered. But if your roof is simply old and worn, that’s considered normal wear and tear, not a covered loss.
Think of insurance like a safety net. It catches you when life throws a surprise, not when something has slowly aged over time.
What’s Covered and What’s Not
Let’s make this easy to remember. Covered damage happens suddenly and couldn’t have been prevented. Non-covered damage is gradual and usually related to maintenance.
Typically covered by insurance
- Wind or hail damage from a recent storm
- A tree branch falling and damaging the roof
- Fire, vandalism, or other sudden events
- Leaks caused by an identifiable weather event
Typically not covered
- Leaks caused by old or worn materials
- Damage from poor installation or prior improper repairs
- Mold or rot from long-term neglect
- Cosmetic issues that don’t affect roof performance
Insurance helps with emergencies, not ongoing upkeep. That’s where proper maintenance and honest inspections come in.
Not Sure What Caused the Damage?
If you’re uncertain whether a storm caused the damage or if your roof simply aged out, the best thing you can do is schedule a professional inspection. Bravo Company Roofing offers free roof inspections that take the guesswork out of the situation. You’ll get detailed photos, honest explanations, and a clear outline of your options.
Here’s what you can do right away to get started:
- Take photos and videos of the damage as soon as you notice it.
- Review your insurance policy to understand your deductible.
- Schedule your inspection before making any repairs yourself.
These simple steps can make a big difference when it’s time to talk to your insurance company.
What Insurance Companies Want to See
Think of filing a claim like presenting your case. The stronger your documentation, the better your chance of approval.
To give your claim the best shot, follow these guidelines:
- Act quickly after the storm or incident.
- Avoid DIY repairs that might complicate the claim.
- Keep records of prior repairs and roof maintenance.
- Choose a licensed, insured roofing contractor who knows how to work with insurance.
Our team understands what adjusters look for. We help you gather the right evidence, prepare your claim materials, and answer questions from the insurance company.
The Georgia Factor
In the Greater Atlanta area, homeowners deal with plenty of wind and hail events each year. Insurers are familiar with these storms and often expect claims after severe weather. In some cases, they’ll request proof that a storm actually hit your neighborhood around the time of the damage.
At Bravo Company Roofing, we include weather verification reports when necessary. We’ve worked with dozens of insurance adjusters in the area, and we know exactly what documentation helps move your claim forward.
When Insurance Won’t Cover the Damage
Not every situation qualifies for coverage, and that’s okay. You still have options.
We believe in honesty and transparency, especially when it comes to your budget. If your claim is denied, we can still help you protect your home through:
- Affordable repair or replacement plans
- Financing options for qualifying homeowners
- A six-year workmanship warranty on all our work
- Fast, professional service to prevent further damage
Our approach is simple. We do the work the right way and help you make the best decision for your home.
From Stress to Relief: The Homeowner’s Journey
Before you call, you might feel uncertain or anxious. You’re facing a potential expense and don’t know if your insurance will help. It’s easy to feel like the odds are stacked against you.
After working with Bravo Company Roofing, things look very different. You’ll know what caused the problem, what your options are, and how to move forward. You’ll have a partner who explains everything clearly and stands by you through the process. That peace of mind is what we aim to deliver with every inspection, repair, and replacement.
Frequently Asked Questions
Will insurance cover my roof if it’s old?
Usually not. Aging is considered normal wear, not sudden damage.
What if I’m not sure what caused the leak?
That’s why we offer inspections. We’ll identify the source of the problem and give you the facts you need.
Can you meet with my insurance adjuster?
Yes. We can coordinate with your adjuster, provide documentation, and ensure they have the right information to make a fair decision.
How soon can you inspect my roof?
We usually schedule within one to two business days. We understand that roof damage can’t wait.
What does your inspection include?
You’ll receive a full visual review, photos, and a clear explanation of our findings. We’ll tell you what needs attention and what can wait.
Take the Next Step
If you’ve noticed roof damage or leaks, don’t wait for the next storm to make things worse. Call Bravo Company Roofing for your free inspection today. We’ll give you straightforward answers and help you make a smart, informed decision.
You can reach us at (770) 703-8915 or visit Bravo Company Roofing to schedule online.
We are veteran-owned and quality-driven, committed to doing the work the right way. No cutting corners. No pushy sales. Just reliable roofing done with honesty and care.
Your roof protects everything under it. Let’s make sure it continues to do that for years to come.