The coverage of a standard homeowner’s insurance of roof damage usually depends on how the damage occurred. Hence, the insurer will cover the damage except if a certain cause has been discarded from your policy. Here are some essential things explained by 5 Star Roofing and Storm Restoration that you should know with regards to home insurance coverage for roof damages.
Roof damage or loss that is caused by vandalism, fire, and natural disasters like typhoons and tornadoes is usually covered by homeowner’s insurance. Basically, your insurance policy will decide whether your insurer will shoulder the repair or replacement for your damaged roof. Another important factor is the roof’s age. For example, if the age of your roof is not more than 10 years, then there’s a big possibility that the replacement is totally covered by your insurer. Usually, if you have a much older roof, particularly 20 years and above, your insurer might not grant compensation. Some will pay but only for the value of your roof after their appraisal.
Homeowners insurance covers leaky roofs provided that the cause is included in your chosen policy. However, keep in mind that if there are leaks because of poor maintenance, the insurer won’t likely reimburse for the repair. Moreover, it is important to consider your homeowner’s insurance deductibles, so you can assess if filing a claim is the best option to take financial wise.
5 Tips to Protect Your Roof
- To be prepared for any damage, take pictures of your roof for documentation purposes. So, when the time comes when the roof gets damaged, you have a set of before and after photos to support your claims to your insurer.
- Get in touch with a professional roof inspector if your home’s roofing happened 10 years ago or later. This will greatly help you to know the real condition of your roof and areas that need to be fixed or replaced.
- Trim down any trees around your house especially those who have branches hanging over the roof. Also, cut down trees which pose a great danger especially during typhoons or hurricanes.
- Check if there are worn out or broken shingles, and replace it immediately. Even if they may seem not that important, a defective shingle can lead to roof damage. Sometimes, insurance inspectors perform the checking from afar, so they can see everything. If they notice that your house has broken shingles or leaky roof, your insurer can revoke your insurance with them. To avoid this, proper and constant maintenance is need.
- Typically, if you reported roof damage, a roofing inspector will be sent by your insurer to conduct an investigation and validate your claim. However, you can speed up this process by finding out the magnitude of the damage immediately. By doing this, you will also prevent further destructions that may not be included under your insurance policy
Homeowners insurance providers cover roofs in different ways. Some consider your home’s location and your roof’s age as important factors as to whether or not you’ll get compensation. The best way to know if your roof damage is covered by your policy is to discuss it directly with your insurance company.