Will Insurance Cover a Damaged Wood Roof?

If your cedar shake or wood shingle roof is damaged, one of your first questions may be: “Will my insurance help pay for repairs or replacement?” The answer depends on what caused the damage and the terms of your policy. At L&L Roofing & Construction, we’ve helped many Gainesville homeowners navigate this process with clarity and integrity.

When Insurance Typically Covers a Wood Roof

• Storm Damage: Hail, wind, or falling trees from storms are usually covered.

• Fire or Other Named Perils: Most policies cover damage caused by fire, lightning, or other listed events.

• Sudden, Accidental Events: Insurance applies when damage is unexpected—not the result of neglect.

When It’s Not Covered

• Normal Wear and Tear: Aging or weathered cedar shakes are not covered.

• Poor Maintenance: If moss, rot, or neglect caused the damage, insurance won’t pay for it.

• Excluded Perils: Floods, earthquakes, or other exclusions in your policy won’t be covered.

How L&L Roofing Helps

• We inspect your roof and document damage.

• We meet with your insurance adjuster to explain findings.

• We provide honest recommendations—whether that means repair, replacement, or just maintenance.

FAQ: Will Insurance Cover a Damaged Wood Roof?

Q: Does hail damage count for cedar roofs?
A: Yes. Hail damage is one of the most common reasons cedar roof claims are approved.

Q: Will insurance pay for a full replacement?
A: Often yes, if the damage is widespread. If it’s limited to one area, coverage may only pay for repairs.

Q: What if my roof is just old?
A: Insurance does not cover age or natural wear. That’s considered homeowner responsibility.

Q: Do I have to use the contractor my insurance recommends?
A: No. You can choose any licensed roofer. Many homeowners prefer working with a trusted local company like L&L Roofing.

At L&L Roofing & Construction, we believe in doing the right thing—because it’s the right thing. That means giving you straight answers about your cedar roof and guiding you honestly through the insurance process.

Call us at (770) 874-0372 if you think your wood roof may have storm damage. We’ll inspect it and let you know exactly where you stand.