Can You Get a New Roof Through Insurance? Here’s How to Qualify

If your roof was damaged by wind, rain, or falling debris during a recent storm, you might qualify for a full roof replacement through your homeowner’s insurance — and only pay your deductible.

Most homeowners don’t even realize they’re eligible. At Voyager Roofing, we specialize in helping Oahu residents navigate the process and get their homes protected again with minimal out-of-pocket costs.

Here’s what you need to know about qualifying for an insurance roof replacement in Hawaii.

What Makes Roof Damage Eligible for Insurance?

Insurance doesn’t usually cover a roof just because it’s old. But it does cover damage that’s sudden and caused by events outside your control — like a storm. That includes:

• High winds that rip up or dislodge shingles

• Flying debris from palm trees, branches, or other rooftops

• Heavy rainfall that leads to roof leaks

• Wind-driven rain that penetrates through weak points

• Falling objects like coconuts, antennas, or satellite dishes

If any of that sounds like something you’ve experienced, it’s time to schedule an inspection.

3 Ways to Know if You Might Qualify

1. You’ve had a strong wind or storm recently

Even if you didn’t notice damage right away, your roof may have been compromised during a recent storm. Shingles might have lifted, fasteners loosened, or flashing pulled back.

2. You’re seeing leaks or water spots

New leaks or discoloration on your ceilings and walls are red flags. Insurance companies consider interior water damage to be a sign of storm-related failure.

3. Your neighbors are getting work done

If other homes in your area are getting their roofs repaired or replaced through insurance, yours may also qualify. Roofing damage often happens across entire neighborhoods.

How to File a Claim (With Help from Voyager)

Filing an insurance claim can be confusing — but that’s where we come in.

Step 1: Get a free inspection

We assess your roof for storm-related damage and document everything thoroughly.

Step 2: Help with your claim

We guide you through the claim process, including what to say, how to file, and what documents you’ll need.

Step 3: Meet the adjuster

We meet with the insurance adjuster at your home to make sure nothing is missed and your damage is fully recognized.

Step 4: Build your new roof

Once approved, we’ll replace your roof with top-quality materials and workmanship. You only pay your deductible — we handle the rest directly with your insurer.

Why Choose Voyager Roofing?

We’re not just roofing contractors — we’re your storm damage advocates.

• Locally owned and operated in Oahu

• Decades of combined insurance roofing experience

• Licensed and insured

• Clean, professional crews

• Premium materials built to last through island weather

We’ve helped countless homeowners get new roofs through insurance, and we’ll do the same for you.

Don’t Miss the Deadline

Insurance claims usually need to be filed within 12 to 24 months of the storm that caused the damage. That means waiting too long can cost you thousands.

Book Your Free Inspection Today

There’s no risk, no pressure, and no obligation — just an honest assessment from a local roofing company you can trust.

👉 Get Your Free Roof Inspection Now

A new roof might be waiting — and your insurance could foot the bill.