One of the most common misunderstandings about homeowners insurance is whether or not it covers the cost of roof damage. For instance, if you've suffered property damage due to a storm, fire, pests, or another unfortunate event, you may wonder if your homeowners insurance policy covers roof repairs. The answer is that it depends. Although insurance plans differ by insurer, most contain similar language and exclusions. Below is a rundown of what to expect.

Covered Situations

If your house suffers an event like a fire, windstorm, or vandalism, you are likely covered. If the roof suffers damage due to a lightning strike, wind, hail, or a falling tree branch, it’s customarily covered under hazard protection. This type of coverage extends to the entire structure of the house — not just the roof — including the walls; floors; foundation; and outbuildings such as sheds, detached garages, gazebos, and fences. To determine if your policy covers roof repairs for a specific reason, consult your insurer.

Circumstances That Aren’t Covered

On the other hand, your insurance policy likely won't cover roof repairs that result from neglect or wear and tear. Wood rot, for instance, is preventable with reasonable maintenance. Similarly, most insurance policies don't cover repairs that are needed due to age or deterioration. The damage must be traceable to a covered event. Lastly, not every type of natural disaster is covered, either. Losses from earthquakes, floods, or mudslides are common exclusions. If you suffer roof damage from any of these, you normally need additional earthquake or flood insurance to cover the costs.

For fast, reliable roof repairs, contact The Board Up Co. in Chesterfield, MO. They offer 24/7 emergency service in and around St. Louis County. They also specialize in responding to all manner of property damage, including board-up service, temporary fencing, and emergency roof tarp service. Visit their website to explore their services, or call (314) 954-3200 to schedule roof repair.