Missing Shingles on My Roof: Is It Covered by Insurance?

Discovering missing shingles on your roof can be concerning. This post explains what steps you should take and how your homeowner's insurance might be involved.
Replacing Individual Shingles: A Possible Solution
If the damage is localized and the surrounding shingles are in good condition, replacing individual shingles is often a viable and more cost-effective option than a full roof replacement.
The Shingle Repair Process:
Here's a general overview of how a professional typically handles a shingle repair:

• Identify Damaged Shingles: The first step is to pinpoint exactly which shingles are missing, curled, cracked, or otherwise damaged. A thorough inspection is crucial.
• Remove Damaged Shingles: A professional will carefully lift the edges of the shingles above the damaged ones and remove the nails holding the damaged shingles in place. This requires care to avoid causing further damage to the surrounding roof.
• Prepare New Shingles: New shingles are then cut to the appropriate size, ensuring they match the type and color of your existing shingles for a seamless and aesthetically pleasing look.
• Install New Shingles: The new shingles are slid into place and secured with roofing nails. Roofing adhesive might be used to seal the edges for added protection against water intrusion.
• Check for Leaks: After the repair is complete, it’s essential to monitor the area for any signs of leaks or further damage, especially after rainfall.

How Insurance Might Be Involved:
Understanding how your insurance policy applies is key:

• Small, Localized Damage: If the damage is from a covered peril (like wind or hail, as defined in your policy) and is limited to a few shingles, your policy may cover the cost of the repair. Your deductible would apply to cost of repair.
• Widespread Damage or Older Roof: If the damage is extensive, or if your roof is already nearing the end of its lifespan, a full roof replacement might be the better long-term solution. In some cases, your insurance may cover a portion of a full replacement if the damage is from a covered peril and meets the specific criteria outlined in your policy. However, depreciation based on the age of your roof may be applied depending on the coverage of your policy.

Key Factors Affecting Coverage:
Several important factors will influence your coverage:

• Cause of Damage: Determining the cause of the damage is crucial. Was it caused by a covered peril like wind or hail? Or is it due to age, general wear and tear, or neglect, which are typically not covered?
• Water Damage: If you notice any evidence of water damage inside your home, such as ceiling stains or water spots, it's vital to submit a claim immediately. Water damage can escalate quickly and lead to more extensive and costly repairs.
• Mitigating Further Damage: Your policy requires you to take reasonable steps to prevent further damage after an incident. For example, if your roof is leaking, you should immediately secure a tarp over the affected area to prevent further water intrusion. Keep receipts for any materials you purchase for this purpose.

What You Should Do Now:
Here's a step-by-step guide:

1. Document the Damage: Take clear photos or videos of the missing shingles, the surrounding area of the roof, and any signs of interior water damage. Thorough documentation is essential when filing an insurance claim.
2. Take Steps to Prevent Further Damage: If possible and safe to do so, take measures to protect your property from further damage. Covering the damaged area with a tarp is a common and effective temporary solution.
3. Contact Your Insurance Company: Contact your insurance company's claims department as soon as possible to report the damage, especially if there are any signs of water damage. They will guide you through the claims process and determine if the damage is covered under your policy.
4. Consider Contacting a Qualified Roofing Contractor: Consider getting an inspection and estimate from a reputable roofing contractor. It is important to contact your insurance company before authorizing any repairs so they can assess the damage and determine coverage.

If you have any questions or if a roofer’s assessment suggests a claim should be submitted based on cost, the area of damage, and the cause of loss, you should reach out to your agent. Your agent is your point of contact to help you navigate this process.  This is why obtaining insurance through an agent is extremely important. If you have a policy purchased directly from a company you are missing this important resource. Remember we are here to help you when you need us.