Potential leaks due to roof damage can remain latent for quite some time. If left unattended, the exposed layer of asphalt will begin deteriorating due to UV exposure and thermal shock. Eventually, the asphalt layer will crack, allowing water to find a way into the home and leading to more costly repairs.
1. Insurance companies include coverage for hail and wind damage because they are events out of your control, also known as Acts of God. Property damage resulting from a storm is not an act of negligence or directly attributable to someone that can be held accountable. If homeowner's insurance didn't cover these events, why have it at all?
2. When your roof is damaged by a hail or wind event, it is in the best interest of the insurance company to pay to replace it before more significant issues arise such as water-saturated insulation and/or drywall repairs
It is illegal for insurance companies to raise premiums due to natural disasters. However, insurance companies have to assess risk somehow, and when severe storms do affect an area, typically that entire zip code will see an increase in its property insurance rates. As a result, it is in your best interest to file a claim anytime there has been a significant storm and your property has been properly assessed for damage .
If your claim is approved for a roof or siding replacement, your only out-of-pocket expense is your deductible.
Additional expenses are only incurred if you elect to pay for upgrades or would like additional work done not included in the original scope of repairs.