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What kind of roof damage is covered by insurance?

Sep 10

Understanding your homeowner's insurance coverage is crucial for homeowners facing severe damage to their homes. Storms or accidents can cause roof damage. To ensure your home's safety, you will need to fix it. Your roof is an integral part of your home. It protects you and your belongings from the elements.

You need to know what your insurance covers for roof damage and what is not. Depending on the severity of the damage, your homeowner's insurance may cover roof repair costs. Your policy may also cover roof damage that causes property loss. This guide will help you determine if your homeowner's insurance covers specific types of roof damage.

The type of policy and the insurance company you have will determine your coverage. Your homeowner's insurance policy should include a "dwelling coverage" clause. This provides coverage for specific "perils." Perils are events that could cause damage to your property or home that are outside your control. Roof-related perils often cover these:

  • Fire damage
  • Wind damage
  • Hail damage
  • Fallen tree damage

Your policy might also include things like vandalism, riots or burglary. Check your policy to see which peril events it covers. If your roof damage results from a covered peril, your insurance company such as Select Adjusters will likely help manage the repair costs. Remember that you'll have to pay the deductible outlined in your contract and that any coverage limits will apply. You may want to negotiate a low deductible when you sign your homeowner's insurance contract.

Although insurance may cover the cost of a damaged roof, it is not enough to cover all costs. It is essential to plan and have some savings. Your property coverage may be helpful if damaged items are in your home due to an insured claim.

Is Homeowners Insurance eligible for roof leaks?

Roof leaks can occur after heavy rain or storms. A residential property insurance claim may cover a roof leak, depending on the cause. Your insurance might cover roof repairs if the roof leaks are caused by hail or wind damage.

Most homeowners insurance policies won't cover a roof leak if it isn't due to regular wear and tear or a lack thereof. The homeowner is responsible for maintaining a routine roof maintenance schedule. 

Regular preventive maintenance is essential to avoid any wear-related or age-related leaks. Before purchasing a home, ask about the roof's condition. It is essential to fulfilling your responsibilities to maximize your homeowner insurance coverage.

Is insurance covered for storm damage to a roof?

Storms can cause significant damage to homes. While severe storms can cause major damage, milder storms are less likely to do so. It doesn't matter if you live in an area often hit by severe storms; it's essential to be prepared for the worst. Keep your roof and gutters protected from storm damage. Moderate storms can still cause damage to a roof. Even tiny hail can cause severe damage, as can excessive rainfall or electrical surges.

You may notice damage to your roof after a storm. Storm damage to your roof may be covered by homeowners insurance, but this depends on the policy and what caused it. You will find specific guidelines in your policy regarding storm damage coverage. 

Even though earthquakes and floods are more common in your region, they are usually not covered by standard policies. You should supplement your policy if you live in an earthquake-prone or flood-prone area. Most policies cover damage caused by lightning strikes, windstorms, hail, or fallen trees.

Water damage, even if a natural disaster or other causes, can be a complicated issue that your policy may or may not cover. Talk to your agent or company representative if you are unsure about the type of water damage homeowners insurance covers.

Select Adjusters can help you with roof repair or replacement

Roof damage can be a surprise, but regular roof inspections and repairs can help you keep your homeowners insurance in good standing and provide full coverage in an emergency. We can inspect, repair, or replace your Vienna, Virginia, roof. We value integrity and quality work. We provide specific roof services at honest and fair prices.