Storm Damage or Wear and Tear? The Homeowners Insurance Line You Don’t Want to Cross

After a powerful Arizona storm, it’s easy to assume any damage will be covered by homeowners insurance. But what happens when your roof leaks… and the adjuster blames “wear and tear”? You’re left with a bill and a harsh lesson about coverage gaps.

Here’s what every homeowner should know: Insurance covers sudden, accidental damage. It does not cover damage caused by gradual deterioration or lack of maintenance. That distinction can cost you thousands.

Examples of what’s typically covered:

• Hail damage from a recent monsoon
• Shingles ripped off during high winds
• Water damage from a fallen tree branch

Examples of what’s not usually covered:

• A leaking roof due to worn-out flashing
• Cracks in your foundation from long-term settling
• Mold from an old, unresolved drip

How to protect yourself:

• Schedule a roof inspection every 2–3 years.
• Document any upgrades or maintenance.
• Review your coverage limits regularly with your agent.​

At VIP Insurance Professionals, we help clients navigate tricky claims and make sure you’re not left in the lurch when storms roll through. If it’s been more than 3 years since your last roof inspection, now’s the time.