Roof repairs can be a significant investment for homeowners, especially when damage is sudden or severe. 
Whether it’s a harsh Ottawa winter, a heavy windstorm, or an unexpected leak, we often hear one common question: “Can I claim insurance for this roof repair?”
At Godfrey Roofing, we know that dealing with roof damage is stressful enough without having to navigate complex insurance questions alone.
While each policy is different, we’re here to help clarify how roof repair insurance works in Ottawa, what factors influence eligibility, and how to make the process smoother from the start.
Understanding Ottawa Home Insurance and Roof Coverage
In most cases, home insurance policies do cover roof repairs, but only under certain circumstances. Insurance companies typically distinguish between sudden and accidental damage and gradual wear and tear.
If your roof is damaged by a covered peril, such as a storm, falling tree, or fire, your policy may reimburse you for roof repair or replacement costs.
However, insurance companies are unlikely to pay for the repairs if the damage is due to aging materials, long-term neglect, or lack of maintenance.
That’s why keeping your roof in good condition and scheduling regular inspections is important—something we strongly recommend to all our Ottawa clients.
What Types of Roof Damage Are Usually Covered In Ottawa?
Here are some examples of situations where insurance coverage may apply:
- Storm damage: Strong winds, heavy rain, hail, or snow can dislodge shingles or tear off sections of your roof. If the event is sudden and weather-related, your claim will likely be approved.
- Falling objects: If a tree or branch falls on your roof during a storm, your insurance will usually cover the repairs.
- Fire or lightning: Fire and lightning strikes are almost always covered under standard homeowner policies.
- Vandalism or accidental impact: Damage from accidents (like a neighbor’s tree falling onto your house) or criminal acts may be eligible for claims.
On the other hand, claims for damage caused by moss buildup, slow leaks, poor ventilation, or aging shingles are generally not covered. That’s why insurance companies often send adjusters to inspect the roof and determine the cause of the issue before approving a claim.
Age of the Ottawa Roof Matters
Another key factor in determining Roof Repair insurance eligibility is the age of the roof. Many insurers have specific rules about roofs 20 years or older.
Some policies reduce coverage as the roof ages, offering only actual cash value rather than full replacement cost. Others may not cover older roofs or require proof that the roof was well-maintained.
We always encourage our Ottawa clients to keep records of previous roof repairs, inspections, and roofing work. When damage occurs, having a clear maintenance history can support your claim and show that the problem wasn’t due to neglect.
Steps to Take After Roof Damage
If you believe your roof has suffered damage that may be covered by insurance, here’s what we recommend:
- Document the damage: As soon as possible, take photos of the roof and any interior damage (such as water stains or ceiling leaks).
- Schedule a professional inspection: Our team at Godfrey Roofing can assess the damage, provide a written report, and help identify the likely cause. Insurance providers often require this documentation.
- File a claim promptly: Notify your insurance company as soon as possible. Delays may result in reduced coverage or claim denial.
- Keep all receipts: If you have emergency repairs done to prevent further damage, save all related documentation and receipts for your claim.
Our team is happy to assist with the paperwork and can speak directly with your insurance provider if needed. We’ve worked with homeowners across Ottawa to streamline the claims process and ensure everything is well-documented.
Why Choose Professional Help with Roofing Insurance Claims
Navigating insurance claims for roof repairs can be complex. Having an experienced roofing company on your side makes all the difference.
At Godfrey Roofing, we’ve helped Ottawa homeowners through countless insurance-related repairs. We know how to identify the cause of damage, communicate with insurers, and complete the work efficiently and to the highest standard.
We’re also fully licensed and insured, which many insurance companies require for claims approval. Choosing a reputable contractor ensures that your repairs meet the standards set by your policy and your expectations for quality and longevity.
Final Thoughts
So, can you claim insurance for roof repair in Ottawa? In many cases, yes—but it depends on the cause of the damage, the terms of your policy, and the condition of your roof before the incident occurred.
The best approach is to stay proactive with inspections, keep documentation current, and work with a roofing company that handles insurance-related projects.
At Godfrey Roofing, we’re here to help protect your investment, restore your home, and guide you through the repair process every step of the way.
Don’t hesitate to reach out if you’re dealing with roof damage and wondering whether it’s covered. Let’s take a closer look and find the right solution together.
