There are many preemptive measures you can make in case your roof might experience any damage. One of them is purchasing homeowners insurance. Homeowners insurance is a great and smart investment, but many people are unaware of what kind of roof damage it can or cannot cover.
To know more about your insurance policy, ExteriorPros, one of the leading roofing and gutter companies in the industry, explains why there are specific roof issues your homeowners insurance might not cover and how you can avoid claims that get denied.
Why Isn’t Wear and Tear Covered by Your Insurance?
As time goes by, your roof might go through the inevitable wear and tear, which includes roof leakage, among other things. However, many insurers think that there are certain failures and property damage that can be well-avoided if you regularly perform roof maintenance.
When you adopt an insurance policy on your home, an agreement binds you and the insurer. This agreement guarantees that you keep up with regular maintenance and repairs on your home. If an unexpected loss occurs, your insurance will be there. Meanwhile, your insurer expects that you prevent any negligence that could cause property damage as well.
To prevent your claims from getting denied, you must conduct regular roof inspections and report any issues as soon as possible. For instance, if you notice a leak, do not wait a few months to report it to your insurance agent. If the roof leakage is not covered at the moment, be sure to have it repaired nevertheless. Small fixes may seem like a financial burden at first, but in the event of large-scale failure, you might be facing a bigger bill of repairs if your insurance claim is denied due to evidence of wear and tear.
What Types of Roof Damage Can Your Insurance Cover?
There are many types of roof damage that your insurance can cover. They may cover your roof repairs if a tree has fallen over it. In case of heavy rainfalls or severe hailstorms, storm damage repair companies will also be able to fix any roof damage with the help of your insurance claim.
The roof of your shed or garage might also experience problems due to the same storms. As such, it’s important to review your insurance policy and the perils included. The coverage can be provided on an “all perils” basis or a “named perils” basis. “Named perils” policies list what is covered by the policy, while “all perils” policies will list what is excluded from the coverage. So if weather-related problems are included in your policy, the roof damage on your shed or garage will also be covered.
To ensure that your insurance will be worth it, you must perform the necessary roof examinations and repairs. Trust ExteriorPros for your roofing needs! Get in touch with our professional roofers and gutter installers. Call us today at (301) 632-5111 or fill out our contact form to set an appointment.