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According to most state insurance codes, your homeowner’s insurance must cover any damage to your home caused by an “act of God.” With the exception for flooding which is normally covered in a separate insurance or rider.But how do you know if the damage to your roof is caused by a storm and will your insurance policy cover the damage?The question to ask is not necessarily will they cover your roof, but instead how did your gutters, chimney, and vents have damage. If you can’t identify a a specific storm, you may be in for a challenge.If your roof, gutters, chimney, and vents gets busted because you didn’t take care of a cutting tree limb or some other obstruction, your insurance company is not obligated to reimburse you for repairs. They are only susceptible to take care of things that were outside of your responsibly.You can have a Roofing Contractor present during Insurance Company inspection. This is a good idea to have a pro roofing contractor present with you any time you meet with your insurance adjuster. A roofing contractor is better equipped to verify storm damage as opposed to other causes. When you have someone around who lives the business, you are more likely to have a uncomplicated and simple claim process. Questions to Determine Eligibility for Insurance Claim Here are some questions to ask to ensure whether your roofing claim will be paid for by your insurance company:1. Did you have your insurance at the time of the damage to your roof and storm damage. In order for you to get insurance reimbursement for your roof’s repair or replacement, there must not be any lapse in your insurance coverage, especially on the day of the storm that broken your roof.2. What kind of damage does your roof or household have. If your roof or house is damaged because you failed to cut the trees back or for some other reason that is essentially your fault, the answer is no. The insurance company will not fix your roof for you if the damage is something you should have prevented.3. Was your roof or household battered by hail? If you can pinpoint the storm that battered your roof, that is the best scenario. Although, we are able to get roofs and other damages replaced by our customer’s insurance companies when they are not sure when the hail damage occurred. If your roof or household was legitimately broken by hail, your insurance company is obligated to restore your household to it’s pre-storm value.4. Not sure how your roof was busted, or even if it is damaged? We recommend getting in contact with a pro roofing consultant who understands the system and can best advise you as to which steps to take to ethically get your claim approved

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