What Roof Repairs Are Covered by Homeowner's Insurance?
Buckled or curling shingles, missing shingles, loose flashing, and clogged gutters are some of the many reasons for roof repair. If roof leaks, underlayment rot, or another issue requires repair, your homeowner’s insurance may cover the costs excluding the deductible. Determine if your roofing system issue qualifies for insurance coverage before contacting your local contractors.
Which Roof Repairs Qualify for Insurance Coverage?
Storm Damage
Storms and natural disasters can easily cause a variety of roofing problems. If your roof sustained injuries from Mother Nature, such as those from hail, lightning, snow and ice, and wind, your insurance policy will cover the roof repair costs. These damages are not under your control and are typically described as “peril” in the insurance world.
Tree Damage
It is possible to get insurance coverage from tree-related roof damage, so long as the tree fell in reaction to a storm or came from a neighbor’s property. If the tree did not fall over for either of these reasons, your insurance company will probably not pay for the roof repairs. This is especially true if it can be proven that you knew your tree was diseased or dying and did not take steps to remove it.
Your Policy
Go over your homeowner’s insurance policy to determine the degree of coverage you can expect. If your shingle roofing system is over 20 years old, for example, your policy may cover the damage up to the depreciated value only, assuming you are not at fault. If the damage is due to normal wear and tear from an aged roof, coverage is unlikely.
Schedule annual roof maintenance to prevent leaks and other problems your insurance may not cover. Rely on Price & Sons Roofing, a licensed and insured company serving the Kernersville, NC, area, for all of your roof maintenance, repair, and replacement needs. The family-owned and -operated company with an A+ rating from the BBB offers over 30 years of experience and provides free estimates. Call (336) 869-6921 to schedule roof repairs today or visit the website for a complete service list.
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