Does Your Insurance Plan Cover Roof Leaks? Tallassee’s Roofing Contractors Explain
No one likes to observe the incessant drip from a roof leak. Upon noticing property damage, many immediately ask, “Is my homeowners insurance going to cover this?” In general, the answer depends on a few key factors. If you’ve been wondering whether your policy will cover a recent leak, the friendly roofing contractors from R & R Construction & Roofing in Tallassee, AL, have the information you need.
Your Local Roofing Contractors Explain What to Know About Your Homeowners Insurance Policy & Leaks
Understanding “Perils”
Homeowners insurance policies typically cover damage that results from fire and smoke, explosions, lightning, hail, windstorms, vandalism, and theft. Insurance agents refer to these events as “perils.” It’s important to note gradual weather damage that occurs over time does not count as a peril and, typically, neither does flooding. In the state of Alabama, standard homeowners coverage does not extend to floods, but you may be an exception if you are located in a high-risk area.
Determining Cause
The vast majority of homeowners insurance policies will cover some forms of roof damage, including leaks. In general, the most important factor is what caused it. For instance, your policy will likely cover damage from a windstorm or other inclement weather event.
However, if the roof begins to leak because you failed to get a roof replacement in a timely manner or otherwise stay on top of maintenance, they will probably reject the claim. As a general rule, policies will often take care of roofing damage incurred due to external factors but will likely not cover any due to negligence.
If you’re not sure whether your policy covers leaks, the roofing contractors from R & R Construction & Roofing would be happy to discuss your situation. The team has over 30 years of experience serving the local community and accepts insurance of all kinds. To learn more about how the commercial and residential roof experts will help you, visit the business online. You can also call a professional today at (334) 283-2129.
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