Keeping Your Roof Claim Free

Snow, ice, wind, hail…your roof takes quite a beating throughout the year. That’s why it’s important to have it inspected on regular basis.

In an ideal world, roofs should be inspected annually, preferably before the heavy wind, rain or snow sets in. Otherwise, the type of roofing material you have, the immediate environment surrounding your structure, and its age will help you to decide the right time.

However, sometimes, Mother Nature decides for us. And that’s where your homeowners insurance can come in.


If a strong storm roars through, you may find your shingles have been ripped off by the roof by wind. Homeowners insurance typically covers wind damage including some sort of coverage for fallen trees that damage your home, provided the tree broke because of a storm or wind.


Hail can do serious damage to roofs. Most homeowners insurance policies include dwelling coverage, which may help protect your home against specific perils, including hail and other ice-related losses. But it must be correctly assessed. If hail damage has occurred, you’ll see dents in the shingles, missing pieces, or possible leaking.  If a shed or unattached garage shows similar signs, it may be covered by other structures coverage, which is a component of some homeowners insurance policies.


Do you have any idea how much snow your roof can support? According to the Insurance Institute for Business & Home Safety, unless there is damage or decay, most residential roofs should be able to hold about 20 pounds per square foot before becoming overly stressed.

If the snow on your roof is approaching the “danger zone,” you may want to consider having the snow removed to prevent possible damage/collapse. One of the safest ways to do this is with a snow rake, with a long extension arm that allows you to do this from the ground. Another safe option is to hire a licensed professional.


Ice forming on your roof can cause serious problems. Roof collapse can happen when a roof can’t bear the weight of ice and snow.

You may find that insurance may help cover the cost of replacing or repairing a damaged roof that is damaged by a collapse. If your house is uninhabitable after a roof collapse, homeowners insurance may also help cover living expenses, such as hotel bills, while your home is being repaired.

Of course, no one wants to deal with a roof collapse. You may be able to prevent a situation like this by taking some preventative measures, such as cleaning gutters or clearing the roof of ice and snow as necessary. Consider hiring a professional if you’re concerned about safety or causing damage to the roof.

Ice dams

Ice dams may result when ice forms on the edge of a roof and stops melting water from running off. When water gets backed up against the ice dam, it may leak through the roof and cause water damage.

Dwelling coverage may help protect your home if an ice dam causes a loss. Personal property coverage provides coverage for named perils only and does not generally provide protection for ice dam situations.

You may find that homeowners insurance doesn’t cover ice dam removal, but resulting water damage to the dwelling is typically covered. And again, even if a loss is covered, policy terms and limits will apply.

While many shingles today are produced for durability, many factors can accelerate the aging of shingles. Remember, having routine maintenance on your roof may help avoid the above damage. And, you’ll want to make sure that your home is properly covered. Your insurance agent can provide you with information to help you choose levels of protection to fit your needs.

Rubin Insurance and Financial Services/Allstate
1097 Edwards Ferry Road NE
Leesburg, Virginia 20176 | (703) 779-0300 |

We are a  full service property and casualty Insurance agency, located in and serving the residents of Loudoun County. We specialize in Home, Auto, and Life Insurance.

Ronald Rubin Allstate

About Ronald Rubin Allstate

Agency Owner | | I am a native Washingtonian who is active in Loudoun County with many organizations such as the Loudoun Chamber of Commerce, Ashburn Rotary, and a Director on the Southern Walk Homeowner Association. I currently live in the Broadlands for over 10 Years with my wife Mindy. My son and daughter-in-law live also in Loudoun County in Purcellville with my 3 grandchildren. I have volunteered with the Loudoun Abuse Women's Shelter and the Loudoun Youth Football Experience. * Business is located in Loudoun County.