Homeowner’s insurance might cover roof damage, subject on what was the cause of the damage. For example, homeowner’s insurance could assist in covering the cost of repairs when a fallen tree or hail causes damage to your roof. Below are things to think about concerning homeowner’s insurance coverage for roof damage.
What Type of Roof Damage is Homeowner’s Insurance Going to Cover?
Your dwelling coverage on your homeowner’s insurance policy usually helps safeguard your home’s structure, including it’s roof, from specific perils, or causes of damages. General covered perils comprise of fire, wind and hail damage. When your roof is in need of repairs following it getting hail damaged or by a tree that falls on it during a monsoon, you might discover that your dwelling coverage is going to help cover the cost. When the contents of your home are destroyed in the wake of a covered roof claim, personal belonging coverage might assist in paying to repair and/or replace them.
At the same time, a roof on a detached structure on your property, like a tool shed or isolated garage, might be covered from the other structures protection in your homeowner’s insurance policy when the damage is resulting of a covered peril.
It’s vital to bear in mind that you are likely going to be required to pay a deductible prior to homeowner’s insurance. This will help pay to repair your damaged roof, and your coverage limit is going to apply. Go over your insurance policy to find out what your deductible and coverage restrictions are, or get hold of your insurance agent for assistance in modifying them to fit your needs.
Note that many homeowner’s insurance policies might have wind-storm and hail omissions, meaning damage brought on by those perils wouldn’t be covered. Go over your policy to find out if yours lists any omissions.
Does Homeowner’s Insurance Cover Roof Leaks?
Homeowner’s insurance might cover a leaky roof if it is the result of a covered peril. Perhaps your roof gets damaged by fire, rain or wind in which causes a leak. In those situations, your homeowner’s policy might assist in paying to get the roof leak repaired (unless the policy includes a wind or hail omission).
Nevertheless, homeowner’s insurance typically doesn’t cover damage as a result of lack of maintenance or depreciation. Rather, it usually assists in paying to repair abrupt, accidental damages. When its age or an any outstanding maintenance issues are the culprit for your leaking roof, homeowner’s insurance probably will not pay to repair the leak or the consequential damage. That is just one reason why you should conduct routine roof inspections. When you are wanting to purchase a new home, you might want to know more about the roof’s age and condition, also.
Professional Roofing Installation Services
Do you need a roof leak repaired? Our team installs whichever roofing material you want the right way, the first time. We strictly used the highest quality and longest lasting roofing materials to ensure our customer’s satisfaction. Paul’s Roofing can help with installation of flat roofing, shingle roofing, tile roofing, spray foam roofing and more. Contact us for a quote or call us at 480-964-4006 for more information.