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Does Insurance Cover Roofing Repairs?

calculator and letter for roof insurance

A normal home insurance policy often covers roof repairs. Loose tiles or gutters, water leaks, structural damage, or even the entire roof blowing off are common occurrences. These damages must be the result of external occurrences. These occurrences include accidents, fire, heavy rain, storms, gales, vandalism, and burglary. 

This implies that if none of these occurrences occur, your roof will remain in good condition. However, if there is any indication that carelessness has led to a roof repair, your insurer would most certainly refuse to pay for it. For example, you may see water leaking in via a storm-caused crack. However, if the underlying structure has long-term dry rot, it may be argued that the water leak was unavoidable due to neglect

In other words, notwithstanding the storm damage from last night, your roof would have leaked soon owing to poor condition.

Should You Pay for Home Insurance?

Check what you’re paying for when you buy home insurance coverage. ‘Does insurance cover roof repairs?’ you might ask. Most plans are separated into two sections: building insurance and contents insurance. The physical structure of your home, including the roof, walls, windows, ceiling, and floor, is covered by Building Insurance. 

Your assets and other ‘temporary’ objects, such as carpets and household appliances, are covered under Contents Insurance. Some homeowners prefer to insure simply their belongings, but this sort of coverage does not cover roof repairs. A comprehensive house insurance policy will typically cover both the structure and its contents. However, as previously stated, roof repair claims are often only acceptable for healthy roofs. 

In terms of coverage, standard house insurance policies are pretty comparable. However, the amount you pay each month is impacted by the sort of roof you have.

How to Prevent Roof Problems?

It is the property owner’s obligation to properly care for and maintain their roof and be aware of the life duration of various materials, which can range from 15 to 100 years. Other precautions homeowners can take to safeguard their roofs include contacting competent specialists for regular inspections. Many roofing contractors will evaluate a roof for free to gain future business. Check that your roof is free of debris and that it does not hold or gather water.

Trees that are touching or hanging over the roof should be pruned. Always inspect your roof after a major storm or a prolonged snowfall to see how the shingles and gutters are faring. If you live in a windy location, make sure your house and roof meet current construction requirements.

Is Insurance Coverage Available for Roof Repairs?

If you find roof damage, contact your insurer immediately. Some home insurance companies provide Emergency Home Assistance. This is typically used for an emergency roof repair that must be finished as soon as possible. Your following claim’s success is determined by the kind of roof and the amount of damage. 

You should keep a record of all phone calls, emails, and letters from insurance providers. Don’t overestimate the extent of the harm. Contact our roofing professionals today and get a free, no-obligation quotation to provide your insurer with the repair cost and any further data.