Get matched with top hurricane film pros in Floodwood, MN

In many cases, yes, homeowners insurance covers roof damage caused by snow. For example, if your roof collapses in a snowstorm or an ice dam leads to a leak in your ceiling, your policy should cover the cost of repairs. However, to get your claim approved, your roof must be well-maintained and in good condition overall, aside from the recent snow-related damage.

The first thing to ensure is you are hiring an approved contractor to repair your roof so your insurance can cover the cost. As always, shop around until you have a handful of quotes so that you get the best quality for the price you’re paying.

When researching a roof repair contractor to repair hail damage, first ask if they’re licensed, bonded, and insured, as this protects you and your property. Always check upfront fees, availability, turnaround, and cost or discounts. Finally, I always look up their reviews to make sure other people who have done similar projects have had great results.

If your roof leaks in heavy rain, that means the roofing is compromised and will need to be inspected and likely repaired. Small holes or cracks in the roofing material or flashing may not be noticeable in dry weather or even in a drizzle, but if they suddenly become noticeable when heavy rain comes, it likely means that small amounts of water are leaking in at other times, potentially causing damage.

Stay inside or well away until the storm passes. Don’t go outside to inspect the tree until the weather clears, especially if the tree is on a hill or isolated in a field. Lightning often strikes the same easily-accessed places multiple times, and you could be a new target. If a lightning strike causes a noticeable fire, alert emergency services. When the storm is over, take a closer look to gauge the damage done.