What Roof Repairs Are Covered by Insurance in Clovis, NM?
If your roof was hit by hail, wind, or flying debris in Clovis, the first question on your mind is probably: “Will my insurance cover this?” Let’s break it down so you can file with confidence — and avoid paying out of pocket for something that should’ve been covered.
✅ Covered: Sudden & Accidental Storm Damage
Most homeowners policies cover unexpected events — like hail, wind, or fallen tree branches — especially if the damage impacts the roof’s integrity or causes water intrusion.
- Hail strikes that damage shingles
- Wind-torn or lifted shingles
- Tree limbs crashing through the roof
- Rainwater leaking due to storm impact
❌ Not Covered: Wear, Neglect, or Old Age
If your roof is over 20 years old and hasn’t been maintained, your policy may deny the claim. Insurers often look for signs of long-term neglect or pre-existing damage.
- Granule loss due to aging
- Leaks from old flashing or poor ventilation
- Repairs that were delayed for years
📷 Documentation is Everything
The better you document the damage, the stronger your claim. That’s why we provide free storm inspections in Clovis with detailed photos and notes to help support your case.
Need Help With the Claim Process?
We don’t just repair roofs — we help you through the paperwork. Our team has guided dozens of Clovis homeowners through successful insurance claims after major storms.