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Insurance documentation

Will insurance cover your roof tarp? That depends on your policy and your insurer.

Coverage for emergency roof tarping is decided by your homeowner's policy and your insurance carrier, not by us, and we can't guarantee it. If your policy does cover emergency repairs, we deliver documentation to help you support your claim.

Schedule a Free Quote Documentation included with every job. Coverage is determined by your insurer.
13+
Years working directly with insurance companies
2k+
Inspections completed daily on behalf of insurers
48
States served coast-to-coast
100%
Of jobs include a documentation package
The short answer

It depends on your policy and your insurer.

Many homeowner's insurance policies include provisions for reasonable emergency repairs, such as roof tarping, when damage is caused by a covered peril like wind, hail, or a fallen tree. These provisions are sometimes called "reasonable repairs" or "emergency mitigation."

But policies vary widely. Limits, exclusions, deductibles, and the cause of the damage all affect what your insurer will pay, if anything. Only your insurance carrier can decide whether your tarp is covered.

Many policies also expect homeowners to take reasonable steps to protect their property from further damage after a loss. A properly installed tarp helps protect your home, and good records help you show your insurer what was done and why.

The bottom line

Get a Tarp does not determine, guarantee, or influence insurance coverage. If your policy covers emergency tarping, the documentation we deliver is designed to help you support your claim.

Q
Does homeowner's insurance cover roof tarping?

Some policies do, often under an emergency repair or mitigation provision, when the damage results from a covered peril. Whether yours does depends on your policy terms. Review your policy or call your insurer to confirm.

Q
Does insurance pay for a tarp after a storm?

Wind, hail, and falling trees are covered perils under many policies, but coverage still depends on your specific policy, its exclusions, and your deductible. Contact your insurance company to verify your coverage before relying on reimbursement.

Q
Does it matter who installs the tarp?

Your insurer's requirements are what matter, so ask them. Some insurers expect emergency repairs to be reasonable and documented. Whoever does the work, photos, a description of the damage, and receipts are helpful to have. Using a professional does not guarantee coverage.

Q
How do I get reimbursed for a roof tarp?

If your policy covers it, you typically submit the tarping cost as part of your overall damage claim. Your insurer may ask for photos of the damage, photos of the installed tarp, a description of the work, and proof of cost. We provide documentation to help, but we do not guarantee coverage or reimbursement.

Why it matters

A professional tarp installation is important.

A tarp's job is to limit further damage until permanent repairs can be made. A poorly installed tarp can fail, and missing records can make it harder to show your insurer what happened. A professional installation and good documentation can't guarantee coverage, but they help you protect your home and present your situation clearly.

Common problems with DIY tarping
No before-and-after photos, making it harder to show the original damage
No written record of what was damaged or how severely
Improper installation can cause additional damage, which some policies exclude
Working on a damaged roof carries real fall and injury risk
If a tarp fails, further water damage may raise coverage questions under some policies
Professional tarping with Get a Tarp
Before-and-after photo documentation of the damage we observe
Written damage report with measurements in a clear, structured format
Secure installation designed to reduce the risk of further damage
Records organized so they're easy to share with your adjuster
Your records belong to you, usable with any insurer or contractor
Important coverage note
Get a Tarp does not guarantee that your insurance will cover your tarp. Whether it's covered, and for how much, depends entirely on your policy terms and your insurer's decision. We recommend reviewing your policy or calling your insurer before counting on reimbursement. Some policies also exclude damage caused by improper or inadequate emergency repairs, so ask your insurer about any requirements that apply to you.
What we deliver

Documentation to help you support your claim.

Our parent company, SeekNow, has spent 13 years producing inspection reports for insurance companies. We bring that experience to every tarp job, so you have organized records to share with your insurer. Your insurer decides what's covered.

01
Pre-tarp damage photos
High-resolution images of visible damage before any protective measures are taken. These record the condition of your roof at the time we arrived.
02
Post-tarp installation photos
Images showing the tarp installed and secured, so you have a record of the protective measure that was taken and when.
03
Written damage assessment
A structured written report describing the damage location, type, and estimated affected area, organized so it's easy to share with your adjuster.
04
Measurements and scope
Measurements of the damaged area and tarp coverage. Your adjuster may use these when reviewing repair estimates.
05
Cost documentation
A clear record of what was charged and what was performed, useful if you submit your tarping expense as part of a property damage claim.
13+
Years producing inspection reports
for insurance companies directly
Built on SeekNow's insurance inspection experience
2,000+ property inspections completed every day
Reports delivered to you, not through a third party
No financial interest in your roofing contractor
Documentation included with every job, no extra charge
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Our recommendations

If your policy supports it: submitting your tarp expense

Coverage is between you and your insurer. If your policy includes emergency repairs, here are some recommendations for using your documentation.

1
Contact your insurance company

Notify your insurer of the damage as soon as possible, since most policies require prompt notice of a loss. Ask whether your policy covers emergency repairs like tarping and what they need from you.

2
Share your Get a Tarp documentation

If you file a claim, provide your adjuster with the documentation we deliver after every job: pre- and post-tarp photos, written damage report, measurements, and cost record, along with anything else your insurer requests.

3
Ask about the tarping cost

Ask your adjuster whether the tarping cost can be included in your claim as an emergency repair or mitigation expense. Your insurer decides whether it's reimbursed and how much.

4
Keep all your records

Your documentation belongs to you, not us. Keep copies of everything. If questions come up during your claim, organized records make it easier to respond.

5
Choose your own roofer

We are only in the tarping business. Once your roof is protected, you choose your own roofing contractor for repairs, completely independently of us. No referral, no kickback, no pressure.

?
Questions about your specific policy?

Only your insurer can tell you what your policy covers. Review your homeowner's policy or call your insurer directly. We provide the tarp and the documentation; your insurer makes the coverage decision.

Insurance FAQ

Questions about insurance and roof tarping

It depends on your policy and your insurer. Many homeowner's policies include provisions for reasonable emergency repairs after a covered peril such as wind, hail, or a falling tree, but terms, limits, exclusions, and deductibles vary. Get a Tarp does not determine or guarantee coverage. The best way to know is to review your policy or call your insurer.
No. We install your tarp and deliver documentation, but we don't decide or influence whether your insurer covers the cost. That decision belongs to your insurance carrier, based on your policy. If your policy covers emergency repairs, our documentation can help you support your claim.
It may, if wind or storm damage is a covered peril in your policy. Some policies, especially in coastal areas, have separate hurricane or windstorm deductibles or exclusions, so it's worth checking the details. Contact your insurer to confirm what your plan covers.
Yes. Insurers can deny or reduce a claim for many reasons: the damage wasn't caused by a covered peril, a policy exclusion applies, the damage was pre-existing, the total claim falls below your deductible, or there are questions about how the work was done. Good documentation can help you present your claim clearly, but it can't change what your policy covers.
Requirements vary by insurer, so ask your adjuster what they need. Commonly requested items include photos of the damaged area before the tarp was installed and photos of the completed installation, showing the scope of damage, its location on the roof, and how the tarp is secured. We take both sets on every job and include them in your documentation package.
It depends on your policy. When tarping is covered, the cost is often included as part of your overall claim, and your deductible applies to the total. For example, if a covered claim totals $15,000 and your deductible is $2,000, the tarping expense would typically be folded into that claim. If your total covered damage is below your deductible, you may not receive reimbursement. Confirm the details with your insurer.
Pre-existing damage complicates claims. Insurers generally cover only new damage caused by a covered event, not prior wear or damage. Our photos and written assessment record what we observed at the time of service, which you can share with your adjuster. Your insurer determines what counts as new versus pre-existing damage.
As soon as it's safe to do so. A tarp helps keep water out and limit further damage to your home. Many policies also expect homeowners to take reasonable steps to prevent additional damage and to give prompt notice of a loss, so check your policy and contact your insurer early.

Protect your roof. Keep your records organized.

Get a professional tarp installed with a documentation package included, from the company that has spent 13 years producing inspection reports for insurers. No upsell, no pressure, no roofing sales pitch.

Schedule My Free Quote How it works

Documentation included on every job · Coast-to-coast coverage · 24-48 hour response

Get a Tarp provides emergency tarping and documentation services only. We are not an insurance company, adjuster, or legal advisor, and we do not guarantee insurance coverage, claim approval, or reimbursement. Coverage is determined solely by your policy and your insurance carrier.