Cost by damage type
Hail damage (minor)
Bruised shingles, granule loss. Insurance usually covers if hailstones were 1+ inch.
$700–$3,000
Hail damage (severe)
Full roof replacement needed. Class 4 impact-resistant shingles recommended for replacement.
$5,000–$15,000
Wind damage
Lifted or missing shingles along edges and ridges. Often repairable without full replacement.
$500–$5,000
Tree damage
Structural damage to decking and trusses. Emergency tree removal adds $500–$2,000.
$1,500–$10,000
Ice dam damage
Water backup under shingles. Requires ice & water shield upgrade on replacement.
$800–$4,000
Insurance deductible
1–2% of home value in wind/hail zones. Some states allow deducible waivers.
$500–$5,000
Planning estimate
$12,000
A reference midpoint, not a bid. Real quotes vary by pitch, access, and local labor — get at least three estimates from licensed, insured roofers before deciding.
FAQ
Does homeowners insurance cover storm damage?
Yes — hail, wind, tree damage, and ice dams are typically covered perils. You pay your deductible (often 1–2% of home value in wind/hail zones), and insurance covers the rest. Document everything with photos before making temporary repairs.
Should I file an insurance claim for roof damage?
If repair costs exceed your deductible by $1,000+, yes. Get a roofer to inspect first — many offer free storm assessments. If the damage is under your deductible, paying out-of-pocket avoids a claim on your record.
What is a roofing supplement?
After insurance approves a claim, the roofer may find hidden damage during tear-off (rotted decking, code-required upgrades). They submit a 'supplement' to insurance for the additional cost. This is normal and shouldn't cost you extra beyond your deductible.
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