Even with proper and regular maintenance, your roof may sustain damage from the blistering heat, hailstorms, heavy downpours and high winds. To minimize losses as a result of the damage, getting the necessary coverage from your insurer is imperative. Understanding everything in your policy helps you determine whether or not roofing damage is worth filing a claim. We discuss the matter further below.
What Your Homeowner’s Insurance May Cover
Your homeowner’s insurance policy covers the entire home structure, including your roof. If it suffered weather-related damage, the coverage will be determined by how old it is and the type of policy you hold. The dwelling coverage, for instance, will cover the cost of repairing your roof after it suffered damage following a hailstorm or after a tree fell on your home during a strong windstorm. Personal property coverage may also help pay for the destruction of your home’s contents resulting from the severe weather event.
About Covered Perils
It is also worth noting your insurance policy’s covered perils. A peril is the cause of loss, be it theft, fire or, in this case, weather. It has two types, named perils and all perils. The former lists down what is exactly covered in your policy while the latter lists down what is excluded from the coverage. Make sure you read your policy to learn whether yours lists any exclusions. Also, get in touch with a roofing company that can guide you through the complexities of insurance claims.
What Your Homeowner’s Insurance Will NOT Cover
Most homeowner insurance policies help pay for the repairs of sudden roof damage. However, they don’t cover damage resulting from a lack of upkeep or wear and tear. Your insurance provider will know if this is the case; after all, they consider roof maintenance the homeowner’s responsibility. To avoid out-of-pocket expenses for extensive repair work, it would be wise to keep your roof in good condition.
As the leading GAF roofing contractor in the area, Pritchett Bros can provide our customers with manufacturer product warranties, along with our workmanship guarantee. You can rest easy knowing that your roofing project is completed using only top-of-the-line materials from the top roofing manufacturer in the country to ensure durability and years of reliable service.