If you’re a homeowner in San Antonio, Texas, chances are you’ve asked yourself: Does my home insurance cover my roof? With unpredictable Texas weather ranging from hailstorms to high winds—understanding what’s covered under your policy is crucial to protecting one of your home’s most important features: the roof.
At Bondoc Roofing, we get this question all the time. As your trusted San Antonio roofing experts, we’re here to help break it down so you’re prepared before damage occurs.
What Does Homeowners Insurance Typically Cover?
Most standard homeowners insurance policies in Texas do cover roof damage—but only under certain conditions. Here’s what you need to know:
Covered Perils
In general, your home insurance will cover roof repairs or replacement if the damage is caused by a covered peril, such as:
- Hail or windstorms
- Fire or lightning
- Falling objects (like a tree branch)
- Vandalism or accidental damage
These are considered “sudden and accidental” events. If your roof is damaged during a thunderstorm or due to hail, your insurance company will likely help pay for the repairs—minus your deductible, of course.
What’s Not Covered?
Insurance doesn’t cover everything. You’ll likely be on the hook for costs related to:
- Wear and tear due to age
- Lack of maintenance
- Improper installation or previous repairs
- Cosmetic damage that doesn’t affect function
That means if your roof is 20+ years old and starts leaking because of worn-out shingles, your insurance probably won’t help. Insurance companies expect homeowners to properly maintain their roofs.
Roof Age and Insurance Adjustments
In San Antonio, many homes are impacted by strong UV rays and temperature fluctuations, which can cause faster roof deterioration. Insurance providers may adjust coverage based on the age of your roof. For example:
- Roofs under 10 years old may be covered for full replacement costs.
- Roofs over 10 years old might only receive actual cash value (ACV)—meaning depreciation is subtracted from the payout.
Having a professional inspection—like the ones we offer at Bondoc Roofing—can help you understand your roof’s condition and how that might affect your coverage.
The Claims Process in San Antonio
If you suspect roof damage, here’s what we recommend:
- Inspect and Document – After a storm, look for missing shingles, leaks, or debris. Take photos of any visible damage.
- Call Bondoc Roofing – We’ll provide a free, professional inspection and honest evaluation.
- File a Claim – If we find damage that may be covered, we’ll guide you through the insurance claims process.
- Get Expert Repairs – Once approved, we’ll complete the repairs or replacement using high-quality materials built for Texas weather.
We work with all major insurance providers and are happy to meet with your adjuster to ensure nothing is overlooked.
Protecting Your Investment
Roof replacements can cost thousands, but a properly filed insurance claim can help minimize out-of-pocket expenses. That’s why it’s so important to work with a local, trusted roofing contractor like Bondoc Roofing—someone who knows San Antonio building codes, climate, and insurance intricacies.
We don’t just patch problems. We provide long-lasting solutions with honest advice, transparent pricing, and top-tier craftsmanship. Whether you’re dealing with sudden storm damage or just want peace of mind, our team has your back.
Call Bondoc Roofing Today for a Free Roof Inspection!
Don’t wait until the next storm to wonder if your roof is covered. At Bondoc Roofing, we help San Antonio, Texas homeowners navigate roof insurance claims every day. Let us inspect your roof, explain your options, and support you every step of the way.
📞 Call (210) 896-3209
📍 Serving San Antonio and surrounding areas
🌐 https://bondocroofing.com/ to schedule your free inspection today!
