Winter weather wreaks havoc on roofing. While most homeowners assume any roof damage that occurs as a result of winter storms is covered, that's not always the case. Fortunately, this guide breaks down the specifics. Here's a closer look at the coverage areas of homeowners insurance and tips to protect your home through the remainder of winter.

What Types of Winter Roof Storm Damage Does Homeowners Insurance Cover?

What Is Covered?

The three most common causes of winter storm damage are wind, ice, and snow. Fortunately, all three are generally included in policy protections. However, with winter precipitation comes the risk of water damage to the interior space, like the attic. Roof leaks directly related to covered dangers, like ice, are typically included in homeowners insurance protections. But double check with your insurance agent to make sure these winter storm risks are listed in your policy.

What Isn't Covered?

The biggest risk for claim denial involves deterioration. While wear and tear are expected, insurance providers expect homeowners to complete repairs and maintenance as needed over the structure's lifetime. If an issue is deemed a result of neglect, the company will refuse the claim. For instance, a roof leak—even if it only began in the aftermath of a winter storm—won't be covered if it's a result of a long-term issue, like a missing shingle or warped decking.

How to Stay Protected

To ensure you don't end up facing high out-of-pocket costs, you need to keep your roof in good shape to satisfy the insurance company. Schedule yearly professional inspections to identify the need for roof repairs before the issue grows, and perform routine maintenance, like gutter cleaning, at least twice per year. Additionally, pay close attention to your policy's coverage limits. The amounts need to be enough to cover a potential roof replacement.

Make sure your home is properly protected from winter storm damage by turning to Hummel Insurance Services in Pottawattamie County, IA. Since 1944, the local agency has provided residents across southwest Iowa with honest and dependable service. They're also accredited by the Better Business Bureau®—boasting an A+ rating and multiple years on the BBB Honor Roll. Learn more about their personal and homeowners insurance coverage options online, and request an insurance quote today by calling (712) 482-6424.