Shingle Masters

Hillsborough/Pasco 813-661-4600
Pinellas 727-536-7663
Manatee/Sarasota 941-954-7663
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    • Project: Lithia Florida
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    • Soffit and Fascia Repairs
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    • Brandon
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Insurance Information

homeowner insurance policies

Does My Insurance Policy Cover Roof Damage?

Most homeowner insurance policies will provide coverage for roof damage. Hurricanes and tornadoes are also usually covered. When it comes to roof damage in Tampa Bay, Shingle Masters can discuss your insurance options. Although wind, rain, and hail are covered by your home insurance policy, there are many factors that determine if your damage will be covered. The same basics that apply to your roof, may apply to your exterior property as well. Exterior property is considered anything that is attached to the outside structure of your home, for example siding, soffit & fascia and gutters.

Homeowner Insurance Policies

Although wind, rain, and hail are covered by your home insurance policy, there are many factors that determine if your damage will be covered, and if so, how much you will be reimbursed.

Some homeowner insurance policies take the age of your roof into consideration. If your roof is under 10 years old, you may be covered for the full cost of repairing or replacing the damaged portion of your roof. If your roof is over 10 years old, you may only be reimbursed for the depreciated value.

Roof repair or roof replacement can be expensive, it is therefore important to take the proper steps to help prevent possible roof damage from happening. Replace worn or broken shingles if necessary and remove any dead branches or trees that could potentially fall and damage your home’s roof.

Remember that all insurance companies cover roof and exterior property damage differently. Let the experts at Shingle Masters can come visit your home and can help discuss your options.

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Shingle Masters provides new roof for the family of one of our courageous veterans.


Shingle Masters & Owens Corning together provided a new roof to a Veteran and his family at no charge. This new roof will replace the current roof, plus get them insurance discounts. Shingle Masters solutes our veterans and all they do.

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Shingle Masters Roofing & Construction Services, Inc.
Licensed Certified General Contractor CGC 1513621 • Licensed Certified Roofing Contractor CCC 1328724
Roof Repair Brandon • Roof Replacement Brandon • Roof Repair Valrico • Roof Repair Tampa • Roof Repair Lithia • Roof Repair Fishhawk
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