If you’re wondering whether your homeowner’s insurance will cover roof replacement in San Diego, you’re not alone. This is one of the most common questions homeowners ask. Insurance policies can be tricky, coverage varies, and San Diego’s unique climate plays a big role in what insurers consider as “covered damage.”
Here’s what Dana Logsdon Roofing & Solar recommends every homeowner should know before scheduling a replacement:
How Homeowner’s Insurance Handles Roof Claims
Most policies do not cover roof wear and tear over time or aging materials. However, insurance may cover damage from:
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Severe storms, heavy wind, or hail damage
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Fire, lightning strikes, or wildfires
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Falling trees or branches
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Vandalism
If the roof failure is caused by natural aging, UV damage, or salt-air corrosion, it’s typically considered maintenance — and not covered.
Filing a Roof Insurance Claim in San Diego
Once damage occurs:
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Document everything — take photos of missing shingles, water stains, or cracked tiles.
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Call your insurer ASAP. Ask if the cause is considered “covered peril.”
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Schedule a licensed roof inspection. Dana Logsdon Roofing & Solar offers free assessments to help identify the cause.
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Get an itemized repair or replacement estimate from us to provide to your adjuster.
If the claim is approved, your policy may cover:
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Cost of replacement (minus deductible)
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Matching materials or limited lifetime upgrades (depending on policy)
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Additional living expenses if your home becomes temporarily unlivable
If denied due to age or wear, we’ll still help you review the denial and evaluate repair vs full replacement options.
San Diego-Specific Claim Considerations
San Diego insurance companies often look for:
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Wind gust reports on the day the damage occurred
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Detailed evidence of underlying issues like rot or mold
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Photos showing damage to flashing, vents, or valleys
Roof replacement is more likely covered if a storm or fire caused sudden damage — not gradual wear. New roofing materials like metal, TPO, or tile also influence the insurer’s decision.
When to Repair vs Replace After a Claim
Once your claim is approved, options generally include:
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Repair for isolated damage (e.g., a few missing shingles)
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Partial replacement if less than 25% of the roof is affected
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Full roof replacement if more than 50% is damaged or underlayment is compromised
Dana Logsdon Roofing & Solar helps walk you through your choices with transparency and expert recommendations.
How Aging or Maintenance Impacts Coverage
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Roofs older than 20 years are often considered non-replaceable — instead, your insurer may only cover repairs.
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Poor maintenance or failing underlayment can sometimes lead to claim denial.
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Keeping inspection records and maintenance receipts helps support your claim.
DIY Claim Prep Tips
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Avoid expensive pitches that mislead your insurer—let your contractor help.
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Never sign a Temporary Repair Agreement (TRA) without full cost comparisons.
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Keep correspondence focused on whether damage is from a discrete incident — that’s key to getting approved.
Why Homeowners Choose Dana Logsdon Roofing & Solar
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Over 30 years of experience working with insurance claims in San Diego
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Owens Corning Platinum Preferred Contractor — helps with manufacturer-backed coverage
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Full support from inspection to paperwork to final installation
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Free same-day inspections and real photos to support your claim documentation
Quick FAQ Section
Q: Will insurance help replace a roof after hail damage?
A: Yes, but only if the damage meets the insurer’s threshold—roofers generally document every damaged shingle or tile.
Q: Does your deductible apply to roof replacement?
A: Yes — your insurance policy’s deductible is subtracted from the covered cost.
Q: Can I choose a higher-quality material (like metal or tile) and pay the cost difference?
A: Often, yes — if the insurer covers basic replacement, you may pay out-of-pocket for premium upgrades.
Final Thoughts — Don’t Leave Money on the Table
Insurance doesn’t always cover total roof wear, but a covered incident could save you thousands. If you suspect spot damage or need help with a claim, Dana Logsdon Roofing & Solar is here to guide you:
📞 Call (858) 544-5921 or request a free inspection online
We help you navigate the claims process and ensure your home is protected.
