What Kind of Roof Damage Is Covered by Insurance?

If your residential roof has experienced damage, you may wonder what type of coverage you can expect from your homeowners insurance policy. Policies vary greatly. Hence, you must check with your insurance company as soon as you notice damage to determine what kind of roof damage is covered by insurance.

Let’s take a closer look at the types of damage most policies will cover and will not cover. This will help you know what to expect as you move forward with roof repair.

Different Types of Roof Damage Most Insurance Will Cover

Homeowners insurance policies typically cover roof damage that is a result of the following:

• Fire
• Vandalism
• Natural disasters like tornadoes and hurricanes

Will your policy cover other weather events like wind, hail, or rain? The answer depends on your specific policy and the age of your roof.

For example, many insurance companies will likely provide a complete replacement when a ten-year-old roof receives damage due to weather events.

However, if your roof is 20 years old or older, the company may only reimburse you for the roof\’s value at the time of damage. In this case, the company may consider the years of wear and tear before the weather event.

Roof Damage Insurance Is Unlikely to Cover

Insurance companies believe homeowners should be responsible for preventing most roof leaks and water damage resulting from leaks. Consequently, a policy may not provide coverage for a basic leaky roof. Hire a professional roofing company to perform the necessary repairs when you notice a leak. This is the best way to help your roof get maximum coverage when it undergoes damage.

How to Increase the Likelihood of Your Insurance Covering Roof Damage

Maintaining your roof through professional roof maintenance and annual inspections will maximize your insurance coverage. Hire a reputable roofing company to provide maintenance and inspections. This way, you’ll have a record that shows you have done everything possible to keep your roof in optimal condition.

Homeowners insurance typically does not cover damage that results from lack of maintenance or general wear and tear. So, it’s up to you as a homeowner to schedule the preventative maintenance that prevents issues before they become costly repairs.

Turn to Capital Roofing for Professional Roof Repair and Maintenance

At Capital Roofing, our expert roofing team brings 25 years of experience to your home\’s roof repair and maintenance. We also offer a free roofing inspection. An inspection will help you catch problems that require repair, enabling you to extend your roof\’s lifespan. In the case of a fire, vandalism, or natural disaster, we will be there to perform the highest quality repairs that will work for your insurance policy.

No matter what kind of roof damage your home faces, our roofing repair experts will do the job right the first time. Please get in touch with us for a free quote or to learn more about what roof damage is covered by insurance.