Homeowners’ insurance might cover roof damage, subject on what was the cause of the damage. For example, homeowners’ insurance might aid in covering the cost of repairs should hail or fallen tree branches damage your homes roof. Below are some things to think about when it comes to homeowners’ insurance coverages for a damaged roof.
What Kind Of Roof Damage Will My Homeowners’ Insurance Policy Cover?
Dwelling coverage in a homeowners’ insurance policies usually aids in protecting your home’s structure, including the roof, from certain hazards, or causes of damage. Typically covered hazards comprise of fire, wind, and hail damage. Therefore, when your roof requires to be repaired after it gets damaged by hail or by a tree that falls onto it during a monsoon storm, you may discover that your dwelling coverage assists in covering the cost. When the contents of your home are destroyed as the result of roof damage, personal property coverages might help pay to repair or have them replaced.
At the same time, the roof of an unattached dwelling on your property like a toolshed or detached car garage, might be covered by the “other structure” protection in your homeowners insurance policy if the damage is the result of a covered hazard.
It’s important to not forget that you are going to likely be required to pay a deductible prior to homeowners’ insurance helping pay to repair a damaged roof, and your coverage restriction is going to apply. Go over your homeowners’ policy to find out what your deductible and coverage limits are or get a hold of your insurance agent for help modifying them to suit your needs.
Remember that many homeowner’s insurance policies may come with windstorm and hail exemptions, meaning damage caused by those hazards are not going to be covered. Go over your policy to find out if yours lists any exemptions.
Will My Homeowners Insurance Policy Cover Roof Leaks?
Homeowners insurance might cover a roof leak when it is caused by a covered hazard. Say your roof gets damaged by a fire, hailstorm or wind. In which results in a roof leak. In those situations, your homeowner’s policy might assist in paying to repair the roof leak (unless the policy has a wind or hail exemption).
However, homeowners’ insurance typically does not cover damage as a result of lack of maintenance or usual wear and tear. Alternatively, it usually aids in paying to repair unexpected, accidental damage. Therefore, when its age or an unresolved maintenance problem are the result of your roof leaking, homeowners’ insurance probably will not pay to repair the roof leak or the resulting damages. That is one good reason why you should conduct routine roof inspections. When you’re planning to purchase a new home, you might want to find out about the age of the roof and its condition.
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At Desert Sun Roofing LLC, we know choosing a Roofing Contractor in the Phoenix, AZ Area is a tough job. We are here to help make it easier! Locally owned and operated out of Chandler, Desert Sun Roofing LLC has been providing roof installation and roof repairs throughout the greater Phoenix area since 1995. With each new roofing project, we strive to provide professional, timely service at a fair price. Contact Desert Sun Roofing LLC right here!
