Storm Damage Repairs In Fair Oaks By Lucero’s Roofing

Have Storm Damage On Your Fair Oaks Roof?
Get Reliable Insurance Work And Advice

What Type Of Storm Storm Damage
Will Your Home Insurance Cover?

When storm damage impacts your Fair Oaks roof, it is important to understand what your insurance will and will not cover. Lucero’s Roofing has been providing insurance work and advice to homeowners for over thirty years, and we want you to feel as comfortable with the process as possible.

We have created a guide to help you understand what type of storm damage roof repairs are typically covered by insurance companies.

The Most Common Causes of Storm Roof
Damage Covered By Insurance

Hail Damage

Hail damage can cause visible and often hidden dents and cracks, compromising your roof’s stability. At Lucero’s Roofing, our professional roofers help you identify and address this type of damage before it’s too late.

Wind, Snow, And Rain

It’s not just about hail – wind and snow can cause significant destruction. Severe weather events like windstorms and heavy rain are expected. Fortunately, most insurance policies cover storm damage. Our professional assessment can help you target problems and provide the needed roof repairs immediately.

Fire Damage

Accidental fire and arson are usually covered. Our roofing experts will help you assess the damage and create the best plan to repair or replace your roof. We work with your insurance company to get your roof repaired quickly.

A fire can strike unexpectedly, causing damage to your home and property. While it may have occurred accidentally, the possibility of arson cannot be ruled out. Luckily, most insurance policies cover both accidental fires and arson, offering a sense of relief during a traumatic event.

In the event of a fire, the roof of your home is often one of the most affected areas. As your primary defense against the elements, it is crucial to assess the damage caused and come up with a repair or replacement plan. This is where our team of knowledgeable and experienced roofing experts comes in.

We understand the stress and uncertainty that comes with dealing with fire damage in Sacramento County. That’s why we work closely with you to assess the extent of the damage and come up with the best course of action to restore your roof’s integrity. From minor repairs to a complete replacement, we have the skills and expertise to handle any situation.


Vandalism is uncommon in Fair Oaks, but it can cause substantial damage. If you fall victim to vandals, document the incident thoroughly with photographs, a police report, and relevant information supporting your insurance claim.

We Provide Insurance Work To You Determine
What May Not Be Covered

While most storm damage is covered by home insurance companies, there are some things that are not covered. It’s important to know what is protected under your home insurance and take the proper steps to ensure your roof is protected.

Normal Wear and Tear

Insurers do not cover normal wear and tear or weathering. Regular professional inspections and timely repairs are essential to maintain coverage eligibility.

Neglect or Lack of Maintenance

A roof in disrepair could affect your insurance coverage. If you don’t maintain and care for your roof, your home is vulnerable to costly damage that is not covered by insurance.

Recent extreme weather patterns have made insurers more cautious when evaluating coverage, placing stricter limits on new or renewed policies in areas with increasingly harsh conditions. By being proactive, you can extend the life of your roof, prevent costly damage, and stay insurable.

Flood or Earthquake Damage

Damage caused by floods or earthquakes may require a separate insurance policy. Review your coverage options with a licensed insurance agent to see if you are covered.

How To Get The Most Out Of Your Home Insurance
And Get Storm Damage Repair Coverage

Keep a record of past repairs or upgrades. Updated records help you identify potential issues that may require maintenance or replacement. They also show your insurance carrier that you have taken preventative measures to protect your home and prevent costly future problems.

You should also trim trees that could fall on your roof during storms and regularly clean gutters to prevent water overflow, which can damage your roof or home. Get routine inspections to stay on top of your roof health. With Lucero’s Roofing’s professional inspection, we create a plan to close the gap and fix the vulnerable areas to keep your roof in top condition to keep you insurable.

Don’t forget to check on your coverage before a storm hits. Many homeowners believe they have comprehensive coverage but often find it is limited when they need it the most. You can avoid high out-of-pocket expenses for repairs or replacements with proper maintenance. Insurance carriers may increase premiums if you have neglected your roof. Consult with an insurance agent in Sacramento County to find the best options to protect your home.

Let Lucero’s Roofing professionals help you ensure your roof is in good condition so you are covered. Don’t wait until it’s too late—schedule your free inspection today.