Roof Repair Tops the Homeowners Insurance Claims List

by | Aug 1, 2018 | Roofing Mount Juliet

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There are fewer homes damaged by fires than ever before in the United States. Cell phone towers, tall businesses, and light poles are absorbing most of the lighting strikes. Central heating has replaced most fireplaces, and electric lights have replaced many candles.Smoking rates have dropped, meaning that fewer people are falling asleep with lit cigarettes. Very few of us will ever make a claim on our homeowners insurance because of fire.

Weather, on the other hand, is a different story. Weather-related events are the most common reason that people make claims on the homeowners insurance: more than fire, more than theft, and more than water damage caused by damaged water pipes. So, with weather being so destructive, what specific events are causing all the roof repair that’s need around the country?


Non-tornadic wind is the most common insurance claim across most of the country. In the Northeast and South, wind tears off siding and shingles, leading to repeated roof repair on the same house. Shingles are put on in such a way that they channel rain down the roof while protecting the underlying roof component. But this design also allows the wind to get under them and push them up, often tearing the singles right off. Once that first shingle is gone, it becomes exponentially easier for the wind to remove more. Of course, the direct wind isn’t always the problem. Often a homeowner will need roof repair because a tree has fallen on the roof. This might require much more than simple shingle replacement.

A newer roof is much more likely to be able to withstand strong winds. But after so many years the nails work loose and the shingles become thinner. That’s when it’s time to call a Roofing Company. We’ll perform gutter inspection while we’re there to make sure they survived the storm and that they won’t be falling off anytime soon.


While roof repair due to wind is the most common type of insurance claim, the most expensive claims in the South is from from hail. Approximately 15% of homeowners end up filing for hail damage at one time or another. Of course, the older a roof is, the more likely that a claim will be made. Asphalt shingles wear out after approximately 20 years, and that means there’s less and less protection as they disintegrate.


While it’s not much of a problem here in Tennessee, tornados plague the rest of the country. Texas has the most tornados in the nation, followed by Kansas (no surprise) and Oklahoma. But while there aren’t many in our fair state, there are about 25 that occur every year.

Tornados are one of the strangest weather occurrences, in that one homeowner can require minor roof repair while their neighbor across the street loses their entire house. Luckily, we can handle their roofing and gutter repairs for the first neighbor, and then install the roof on the new house of the second.


Flooding is its own animal. After all, the weather that causes flooding often occurs states away, especially for those who live on the banks of large rivers like the Mississippi or Missouri. There are also fewer flooding claims because it’s often a rider on insurance, i.e. it doesn’t come as default coverage. This catches many homeowners by surprise when they find out they’re not covered. Flooding is one of the few weather-related events that doesn’t cause the need for roof repair.

Snow and Ice

Snow is a surprisingly common cause for homeowners insurance claims. Heavy snows can cause roofs to collapse, and ice buildup in gutters can cause them to tear right off the side of the house. Luckily, we don’t have to deal with these problems in the Mt. Juliet area.

When it comes right down to it, wind and age are the most common reasons people call our roofing company. When you have an insurance claim, we can deal with your company for you. Contact us today!


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