Introduction: Understanding Roofing Protection with RPS Insurance
Roof damage is one of the most expensive and stressful issues a homeowner can face. From sudden storms to long-term wear and tear, your roof is constantly exposed to the elements. That’s why having the right insurance coverage is critical. But beyond standard homeowners insurance, have you heard of RPS Insurance? If not, you’re not alone. Many homeowners are unaware of how this type of insurance works and how it can protect them from unexpected roofing expenses.
At Tier-One Roofing, we specialize in storm damage repair and insurance claims, and we know how frustrating it can be to navigate roofing coverage. In this guide, we’ll break down everything you need to know about RPS Insurance, including what it is, what it covers, and whether you need it.
What is RPS Insurance?
RPS stands for Roofing Protection Service Insurance. It is a type of insurance policy designed specifically to help homeowners cover roofing-related costs that traditional homeowners insurance may not fully cover.
Standard homeowners insurance covers sudden damage, such as hail, wind, and falling debris.
RPS Insurance goes further, offering additional protection for specific roofing repairs, maintenance needs, and exclusions that homeowners insurance may leave out.
Think of RPS Insurance as an added layer of security for one of the most important parts of your home.
How Does RPS Insurance Work?
RPS Insurance works similarly to other types of insurance policies:
You pay a premium – Like any insurance policy, RPS Insurance requires a monthly or annual payment to maintain coverage.
Your roof is covered for specific risks – Depending on the policy, RPS Insurance can cover things like age-related wear and tear, emergency repairs, and even warranty-backed fixes.
When you have an issue, you file a claim – If your roof suffers damage that meets the policy’s criteria, you submit a claim and receive compensation or a contractor recommendation.
A contractor repairs your roof – Some RPS policies work directly with certified roofing contractors to ensure quality repairs.
This type of insurance is especially useful in areas prone to severe weather, like Tulsa and surrounding areas, where wind, hail, and storms frequently cause roofing issues.
What Does RPS Insurance Cover?
Coverage varies depending on the provider and policy, but in general, RPS Insurance can cover:
Roof Repairs – Covers the cost of fixing damage that may not be fully covered by homeowners insurance.
Roof Replacement Assistance – Helps offset costs if a full roof replacement is needed.
Storm & Hail Damage – Some policies extend beyond standard insurance to include more comprehensive storm protection.
Age-Related Wear & Tear – Unlike traditional homeowners insurance, RPS may cover issues caused by aging materials.
Emergency Repairs – If your roof needs urgent repairs to prevent further damage, RPS Insurance can help cover the cost.
Workmanship & Material Defects – Some policies even cover issues related to the quality of materials or installation mistakes.
What RPS Insurance May Not Cover
Just like any insurance policy, RPS Insurance has exclusions. It typically does not cover:
Neglect or Poor Maintenance – If you fail to maintain your roof properly, your claim could be denied.
Pre-Existing Damage – If your roof had damage before purchasing the policy, it likely won’t be covered.
Extreme Natural Disasters – Some policies exclude major catastrophic events like earthquakes or flooding.
Cosmetic Damage – If a storm leaves minor dents or surface-level marks that don’t impact function, repairs may not be covered.
Understanding these limitations is crucial when deciding whether RPS Insurance is right for you.
Do You Need RPS Insurance?
Whether or not you need RPS Insurance depends on several factors:
Your Current Homeowners Insurance Policy – If your policy already provides strong roofing coverage, you may not need RPS Insurance. However, if it has strict exclusions on roofing repairs, RPS could be a smart investment.
Your Roof’s Age – Older roofs are more susceptible to wear and tear that homeowners insurance doesn’t cover. RPS Insurance can help provide coverage.
Weather Risks in Your Area – If you live in Tulsa or surrounding areas, where storms are common, having extra protection for your roof could save you thousands in repairs.
Budget for Unexpected Repairs – If you don’t want to be caught off guard by high out-of-pocket costs, an RPS policy can help provide financial peace of mind.
At Tier-One Roofing, we always recommend reviewing your homeowners insurance policy carefully and consulting with a trusted roofing professional to see if additional coverage is right for you.
How to Choose the Right RPS Insurance Policy
If you’re considering RPS Insurance, here are a few tips to ensure you pick the best policy:
Compare Providers – Not all RPS Insurance policies are created equal. Compare coverage, costs, and exclusions before making a decision.
Check Reviews & Ratings – Look for providers with positive feedback and strong reputations.
Understand Your Deductible – Some policies have high deductibles, meaning you’ll need to pay more before coverage kicks in.
Ask About Contractor Requirements – Some policies require you to use specific roofing contractors for repairs.
A good roofing contractor, like Tier-One Roofing, can help guide you through this process to ensure you have the best coverage for your home.
Final Thoughts: Is RPS Insurance Worth It?
So, what is RPS Insurance? It’s an additional layer of roofing protection that can help homeowners avoid costly repairs, supplement standard homeowners insurance, and provide peace of mind—especially in storm-prone areas like Tulsa.
While not every homeowner needs RPS Insurance, it can be an excellent investment for those with aging roofs, limited insurance coverage, or a desire for extra financial security.
At Tier-One Roofing, we specialize in roof inspections, storm damage repairs, and insurance claim assistance. If you want to learn more about RPS Insurance, roofing protection, or whether your home is at risk, we’re here to help.
📞 Call us today at (918) 393-4682 or visit www.tier-oneroofing.com to schedule your free roof inspection!