Seasoned homeowners know how harsh weather elements like hailstorms, wind, rain, or tornadoes can affect their roof. Whenever you need roof repairs but are unsure about the process, it’s vital to speak to a reputable local roofing contractor as well as your insurance provider. Fortunately, your homeowners’ insurance may cover the cost of your roof repair. Typically, damages from situations out of your control, like hailstorms, are covered. Here are some things you need to know about roof repairs and your homeowners’ insurance.
Claiming Roof Repairs on Insurance
Roof repairs from inclement weather like hail or wind damage are normally covered under homeowners’ insurance. If a tree falls on your roof due to high winds, it typically would be covered, unless the tree was unhealthy and ignored.
Your homeowners’ insurance policy typically protects your home’s structure, including your roof, from covered perils. The roof of any unattached structure on your property, such as a detached garage or shed, may not be covered by your homeowners’ insurance policy. Even if the damage is caused by a covered peril, it depends on what is in your policy.
Note that some homeowners’ insurance policies may have exclusions and won’t cover damage caused by certain situations. Go through the fine print of your policy to learn whether there are any exclusions.
How Homeowners Insurance Can Cover Leaks
Roof leaks can be covered under homeowners’ insurance if they are caused by covered perils. However, leaks won’t be covered if they’re caused by normal wear and tear or due to the lack of regular maintenance on your roof. In general, insurance covers situations that are sudden or accidental in nature and not issues caused by negligence.
Roof Insurance Deductible
It’s important to note that you’ll likely need to pay a deductible before your homeowners’ insurance funds your roof repair, and your coverage limit applies here. Typically, your insurance company will pay the total cost of damage minus your deductible. If you have any questions about your deductible or policy in general, contact your insurance agent for more information.
Ultimately, you need to review your homeowners’ insurance policy to see what your coverage is, so you can be better prepared for whatever comes your way.
If your roof needs repairs after storm damage, schedule a consultation with Surf & Turf Roofing in South Jersey and the greater Sarasota region. Our experience has awarded us the Owens Corning Platinum Preferred Contractor and an A+ score on the Better Business Bureau. Contact us today to learn more!
