Understanding the extent of your home insurance coverage is essential, especially regarding your roof. While most policies cover common causes of roof damage, like severe weather and fire, some types of damage may not be included.
What is a homeowner’s roof insurance?
A homeowner’s roof insurance policy is insurance that covers the roof of a house. The policy pays for the repair or replacement of the roof if it is damaged by fire, severe weather, or other covered events.
Most homeowners’ roof insurance policies cover damage caused by severe weather, such as high winds and hail. They also cover fire damage. However, a standard policy may not cover some types of roof damage. Here’s a look at what kind of roof damage is typically covered by home insurance policies.
Severe weather.
Severe weather is one of the most common causes of roof damage and is typically covered by home insurance policies. This includes damage from high winds, hail, Blizzard conditions, and even tornadoes. If your roof sustains severe damage from any of these events, your home insurance policy should cover the cost of repairs or replacement.
Fire damage.
Fire is another common cause of roof damage and is typically covered by home insurance policies. This includes damage from wildfires, house fires, and even fireworks. If your roof sustains fire damage, your home insurance policy should cover the cost of repairs or replacement.
Falling trees.
If a tree falls on your roof and causes damage, your home insurance policy should cover the cost of repairs. This coverage typically extends to other structures on your property, such as sheds and detached garages.
Wind damage.
Strong winds can cause all sorts of damage to your roof, from shingles being torn off to tree branches falling on it. Most home insurance policies will cover wind damage, but there may be some exclusions or limits depending on your policy.
Hail damage.
Hail is one of the most common causes of roof damage and is typically covered by home insurance policies. If your roof sustains hail damage, your insurer will likely cover the cost of repairs or replacement up to your policy limits.
While these are some of the most common causes of roof damage covered by home insurance, it’s essential to read your policy carefully to understand what is and isn’t covered. You should also talk to your insurer if you have any questions about your coverage.
What kind of roof damage is not covered by a home insurance policy?
Not every damage on your roof is covered by a home insurance policy. Here are some of the most common types of roof damage that are not typically covered:
Intentional damage.
It is crucial to note that a roof damage claim will only be honored if the damage cannot be linked to the homeowner directly. For instance, if you cause damage to your roof intentionally, or if it’s the result of criminal activity, your home insurance policy will likely not cover the cost of repairs.
Wear and tear.
Another type of damage that is not typically covered by a home insurance policy is wear and tear. This includes damage that occurs over time due to weathering, aging, or general wear and tear. If your roof sustains this type of damage, you will likely have to pay for repairs or replacement out of pocket.
Poor maintenance.
If you fail to maintain your roof properly and it sustains damage, your home insurance policy will likely not cover the cost of repairs. For instance, if you fail to clear away debris or repair damage on time, your insurer may deny your claim.
It’s essential to understand what types of damage are and aren’t covered by your home insurance policy before making a claim. Otherwise, you could be stuck with a hefty repair bill that you have to pay out of pocket. If you are ever unsure whether your damage will be covered, it’s best to contact your insurer. They will be able to tell you whether or not your claim is eligible for coverage.
A professional roofer in Phoenix, AZ.
Finding the right roofer for the job is essential to get the best results. You want to make sure that your roofer is licensed and insured in case of any accidents. They should also be experienced in repairing or replacing roofs. A good roofer can assess the damage to your roof and give you an accurate estimate of the repairs or replacement cost.
At Advosy Roofing, we pride ourselves on being one of the best roofers in Phoenix, AZ. We are licensed and insured, and our team has years of experience repairing and replacing roofs. If you need a roofer, we would be happy to help you. Contact us today for a free estimate.
