The roof to your home provides ample protection for your family. It also is an important component of the structural integrity of the building.
If there is damage to the roof, it can cause damage to the underlying structure right down to the foundation. That puts the home at risk and reduces its value. That is one reason that home insurance provides protection for many types of roof damage. Each policy differs, but homeowners should maintain coverage with ample roof protection.
When Home Insurance Will Not Repair Your Roof
Home insurance policies will not always provide compensation for roof damage. There are some instances in which your plan is not going to provide coverage. Specifically:
- When the damage relates to wear and tear. Coverage is usually not available for damage from lack of maintenance. That’s important because most damage to roofs relates specifically to maintenance and upkeep.
- Acts of war, nuclear damage, and other types of incidents related to large-scale events are not covered by most policies.
- Certain weather conditions may not have exclusion. Policies may exclude flooding, hurricanes, hail, windstorms or other unique weather phenomena. This coverage will vary from policy to policy. Talk to your agent about specific exclusions.
When They Will Help with Roof Repairs
There are many situations in which a home insurance plan can help. Here are some examples, though your policy may be unique.
- A storm occurs and a tree falls on the structure, damaging the roof. The policy is likely to pay for tree removal, cleanup, and roof repairs.
- A fire occurs within the home leading to damage to the roof. The policy will cover it as long as the fire damage has specific coverage.
- You have hail damage or significant wind damage. Again, make sure the policy covers these specific risks. Depending on the damage, the insurer may cover just repairs. Or, it may provide for a replacement roof if the damage is significant enough to warrant it.
The best way to know if your home insurance can cover the cost to replace your roof is to call your insurer directly. They will likely send a professional to inspect the roof.
The inspector will determine the extent of the damage and whether your policy can cover it. They will also help you determine if repairs or replacement is the best option based on the severity of the damage. Most home insurance agents are happy to help you with this claim.
Just like your roof, we’ve got you covered. Call Peachstate Insurance at 877.997.2478 for more information on Cartersville home insurance.