You spot a leak, call your insurance company, and assume they’ll take care of it. But here’s the catch: roof insurance doesn’t always work the way homeowners think it does.

At Fox Roofing Design, we’ve helped countless clients across Irvine and Orange County navigate roof insurance claims. Here’s a breakdown of what’s actually covered—and what’s not.

✅ What Insurance Usually Covers

Most standard homeowner’s insurance policies will cover sudden, accidental damage caused by events outside your control, like:

🌬️ Wind or storm damage (blown-off shingles or tiles)
🌳 Fallen trees or debris impact
💧 Sudden roof leaks caused by a covered peril
🔥 Fire or smoke damage

If the damage is sudden and clearly caused by weather or disaster, you’re likely covered.

❌ What Insurance Doesn’t Cover

Insurance isn’t meant to cover wear and tear or neglect. It won’t pay for:

⏳ Old age or expired underlayment
🧱 Poor maintenance or ignored issues
🛠️ Improper installation from a past contractor
💦 Leaks that developed slowly over time
🚫 Manufacturer defects (these fall under warranty, not insurance)

If you haven't maintained your roof—or delayed repairs for years—there's a good chance your claim could be denied.

🧾 Tip: Document Everything Before Damage Happens

The best way to protect yourself is by keeping good records:

Photos of your roof condition annually
Receipts for past roof work or inspections
Notes from storm dates or wind events

That’s why we provide full photo documentation during every inspection at Fox Roofing Design—so you have proof ready if you ever need it.

🦊 How We Help With Insurance Claims

We’ve worked alongside hundreds of homeowners filing roof claims in Orange County. Our team can:

Inspect and document roof damage
Help determine if it’s claim-worthy
Provide written assessments and photo evidence
Coordinate with your insurance adjuster

And if the damage isn’t covered, we’ll show you affordable repair or financing options—no pressure.

📍 Why SoCal Homeowners Trust FOX Roofing

As a top-rated roofing contractor in Irvine, we know what local insurers expect and what adjusters look for. We also know how to spot the difference between “deniable” damage and legitimate claims—and we’ll always give it to you straight.

✅ Not Sure What Your Policy Covers?

Let us take a look—for free. Serving Irvine, Tustin, Santa Ana, Costa Mesa, and all of Orange County.

📞 Call Fox Roofing Design today or schedule your free roof inspection online. We’ll give you the facts—no spin, no pressure.

What Insurance Really Covers on Your Roof — and What It Doesn’t