Winter’s sub-zero temperatures and extreme weather conditions can do a number on your home especially on your roof. While you can mitigate damage caused by melting snow, ice dams, falling tree limbs with proper maintenance, sometimes it’s not enough. This is where your homeowner’s insurance will come in handy. Exterior Pros, one of the leading asphalt roofing companies in Southern Maryland, discusses more:
What Does the Homeowner’s Insurance Cover?
Typically, a homeowner’s insurance covers damage caused by the harsh winter weather, such as roof collapse due to snow buildup, trees falling on your home, and frozen or burst pipes. Keep in mind that not all coverage is the same, so make sure that you review your policies carefully.
What Isn’t Covered?
Reputable roofers will tell you that roofing damage caused by homeowner negligence won’t be covered. This includes:
- Broken pipes due to lack of maintenance
- Melting snow seeping through an already damaged or improperly installed roof
- Damage caused by tree limbs that weren’t trimmed or removed
- Lack of preparation to protect the home before a storm
That said, it pays to be proactive towards your roof throughout the seasons. This way, you’ll have better chances of getting your insurance claims approved in case of snow damage and other emergencies.
What Are the Next Steps?
As soon as your roof sustains snow damage, get in touch with a trusted local roofing company like Exterior Pros immediately. We will assess your roof’s overall condition, create a detailed report, and work with your insurer to speed up the process. We will also make the necessary fixes as soon as possible to prevent further damage to your home and identify the best course of action for your roof to restore it to its original condition.